Published 1 September 2023
Last updated 26 October 2023
You might think that finding reasonably priced, high quality motor insurance as a newly qualified 17-year-old is harder than passing your driving test in the first place. Well never fear! In this blog the motor insurance experts at Adrian Flux answer your FAQs about getting a good deal on your insurance as a young or newly qualified driver.
Proudly sponsored by:
I’m 17, still at school, just passed my test and I’ve used savings to buy a second-hand car. How am I expected to pay for insurance too?
We know it may well be tough, but if you plan to drive on public roads, or even leave the vehicle parked in a public place, you are legally required to have at least the minimum level of motor insurance.
If you don’t, you could be fined, lose your licence and even have the vehicle impounded, which would be an awful shame after all the hard work you put in to get on the road in the first place.
What are the different levels of insurance available to me?
There are three main types of car insurance: third party, third party, fire and theft, and fully comprehensive.
Third party is the minimum legal requirement and it covers you if you damage someone else’s car or injure another person. It won’t cover any injuries to you, or damage to your own car.
Third party, fire and theft covers damage or injury to other people, their cars and their property. It also protects your vehicle if it is stolen or damaged by fire.
Fully comprehensive, known as ‘fully comp’, provides the highest level of protection regardless of who is at fault for the claim. Fully comp will be your most expensive option.
I didn’t have insurance when I had my lessons. Why do I need insurance now?
During your formal lessons, you would have been covered by the insurance held by the driving school. If you went out with someone, perhaps a relative or friend, for extra practice, they should have ensured that their cover allowed them to supervise a learner.
So how much is insurance going to cost me?
You are young, inexperienced and at the very start of your motoring journey. That means insurance providers are going to consider you at greater risk of making a claim, or having a claim made against you.
Because of that, it’s an unavoidable fact of life that you will be quoted a lot more than more experienced drivers. Exactly how much is impossible to say as everyone’s circumstances are different.
Are there any ways I can save money on my motor insurance?
The best way to save money is to have a black box fitted to your car. The black box, or telematics device, tracks your driving and rewards you with a cheaper premium if you drive consistently well, within speed limits, accelerating gently and not braking too hard, and of course, not have any scrapes.
Some people are suspicious of having their driving tracked but really, the black box is on your side, and there are no curfews or restrictions as to when, where or how often you drive.
The black box scheme rewards safe driving and could cut your premiums by up to 60% which makes it a fantastic opportunity for young drivers like you on a tight budget.
As well as your personal circumstances, the cost of your insurance premium will be determined by the make and model of car you drive. If you drive something rather more modest, the cost of your insurance will come down,
The team at Adrian Flux has crunched the numbers to come up with a guide that identifies the cheapest cars to insure for young drivers.
Surprisingly, if you invest in a classic car, that could save you money on your premium too, while turning a few heads at the same time!
Adrian Flux is always trying to find ways for clients to save money. Read this blog to find out a whole host of ways to save money on your motor insurance.
How do I get a motor insurance quote?
For a swift, no-hassle quote call 0344 3817 830 or book a callback at a time that suits you. Our best deals are only available over the phone - 81.5% of all customers receiving an online quote in August 2022 could have obtained a cheaper quote over the phone, based on the information they provided. Our deals cannot be found on insurance price comparison sites.
Remember Adrian Flux will shop around to find the best policy for you and we won’t charge you a penny for doing so!
Well who are Adrian Flux?
Adrian Flux is a family owned insurance broker with 50 years experience finding bespoke car, motorbike, van and home insurance. The company is authorised and regulated by the Financial Conduct Authority.
* This blog:
- expresses the views of its participants as of the date indicated and does not represent the views of TSO, DVSA and or any other third party acting under their written authority, moreover, such views are subject to change without notice and neither TSO/DVSA have no duty and or obligation to update the information contained herein;
- is made available for educational purposes only and should not be used for any other purpose, it should not be construed as an offering of advisory services as certain information contained herein may be provided by independent third-party sources, and such information has not been verified by TSO/DVSA, who do not accept responsibility for any loss arising thereunder.
- including the information contained herein, may not be copied, reproduced, republished, or posted in whole or in part, in any form without the prior written consent of TSO/DVSA; and
- the accuracy of the information within has not been independently verified, nor does TSO/DVSA guarantee in any way its accuracy, completeness, nor any assumptions on which such information is based, used or relied upon by its reader.