Best Insurance Companies For Drivers With Accidents – If you can’t wait to get behind the wheel of your first car, the cost of car cover can affect things further. This is because car insurance for young drivers tends to be more expensive compared to other age groups. But that doesn’t mean you can’t find a good deal—it’s just a matter of knowing where to look.
To help you get great value for money, he analyzed quotes from over 50 car insurance companies available on two comparison sites. Here we’ve found the cheapest comprehensive plans for new, young drivers in the biggest UK cities.
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We’ve collected over 50 examples from UK car insurance providers based on an 18-year-old male student.
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By far the cheapest rate I found was general accident (GA) insurance. In fact, our data found that GA was 62% cheaper than the average of all the offers we found, and 18% cheaper than the three cheapest offers.
It is worth noting that some of these brands come from the UK’s biggest car insurance companies. For example, General Accident is part of Aviva, Churchill and Privilege are part of Direct Line. In most cases, you’ll find that these big parent companies can’t compete when it comes to young driver insurance, but they do offer better deals through their subsidiaries.
Based on our research, we’ve listed 15 of the cheapest car insurance providers for young drivers, including annual premiums and total deductibles.
Almost all insurance policies are deductible. If you want to make a claim, you have to pay the amount. It’s important that you have affordable costs because if you can’t pay, your claim won’t go forward.
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Remember that offers can vary, so the cheapest provider on our list may not be the cheapest for you – so it’s important to shop around and compare offers. *
* The quotes in this article represent data for our test drive and should be used for informational purposes only.
Young driver car insurance is basically the same as standard car cover, but policies are designed specifically for drivers under the age of 25.
When comparing car insurance for older drivers, you can choose from three levels of cover:
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Insurance rates tend to be more expensive for young drivers, so comparing prices is essential to finding cheap car insurance for young drivers. You might think that a wide range would be the most expensive, but it’s still worth comparing prices because it’s cheap, or at least comparable to the lower tiers. Why? Drivers who want insurance to protect their car tend to be safer drivers (for example, they look after their cars).
Our research found that not all deals are available in all areas of the UK and that a small number of providers do not offer car insurance for young drivers in some areas. For example, we found that young drivers in Manchester were offered 45% less deals than under-25s in other major cities. You can find out more about our findings in our article on comparing insurance prices for young drivers by region.
From our search terms, general accident insurance was the cheapest insurer for young drivers in Birmingham, Leeds, Sheffield, Bradford, Manchester and Liverpool.
In these cities, the average cost of GA for a young driver was £1,569, which is 63% less than the average cost of all insurers in our survey. So if you live in one of these areas, GA may be your best bet for affordable insurance.
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However, More Than Smart Wheels, Churchill Drivesure and Ingenie were competing alternatives to insure young drivers with the second, third and fourth cheapest car insurance for young drivers in the north of England.
In many cases, General Accident was the cheapest car insurance for young drivers in the South West and South East of England. For example, GA’s offer for our young driver in London and Bristol was £1,027 and £991 respectively.
Please note that the quotes we collect are based on our sample profile, so the cheapest rates in your area may not be the same as the lowest rates found. Also, keep in mind that some brands only offer deals in certain areas.
Here’s a look at the three cheapest providers by region to give you an idea of what’s available and who it covers.
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Insurance for older drivers is expensive, and that’s not something that’s likely to change anytime soon. That said, there are ways to keep your car insurance costs as low as possible; Here are our tips:
The make and model of your car can have a significant impact on your premium (you might be surprised at the difference in costs). For example, the ever-popular Ford Fiesta is £200 cheaper per year to insure on average than the Ford Focus.
To compare the prices of different cars, check out our article on how much it costs to insure the UK’s most popular cars.
Adding a more experienced driver to your policy, such as your mother, father or other relative, can reduce premiums by 50%. Remember that drivers don’t have to have a valid driving license or make recent claims on their car insurance to get the lowest rates.
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Telematics policies are based on your driving history, not general information for your age group. If you buy telematics insurance, your device will be installed in your car and connected to your insurance company. The device collects information about your driving style, such as speed, acceleration, braking and turns. Some insurance companies may also monitor the day you drive. If you drive consistently well (based on the data you’ve collected), you may see your premiums decrease faster than with a standard auto insurance policy.
Driving forward is when you take the policy to get cheap car insurance and say that someone is the primary driver instead. It can be easy to make a mistake, but the consequences can be serious. Not only will this void your policy, it’s a form of insurance fraud and could lead to a lawsuit.
As you can see from the price analysis above, finding car insurance for young drivers under £1,000 will be a bit more expensive. First, try car insurance for young drivers under £1,000 and remember the tips above. Also, consider how much you plan to drive.
If you don’t really drive much, it may be more cost-effective to purchase a low-mileage policy (such as Miles) or buy term car insurance per kilometre. hour, day, week or month.
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Note: temporary (short-term) car insurance is often not cost-effective if you end up buying it. It only works if you need a rare environment. Check the prices and consider how often you will be buying before going down that road.
Temporary car insurance for older drivers is useful if you’re learning, borrowing someone else’s car, driving a new car or getting cover while you’re home from university. It can be set up in minutes and does not require a black box.
You can buy short-term car insurance for older drivers from one company that has one product, or from a broker that offers several quotes at different prices. Click the blue button below to get a quote from our partner Go Shorty for the latter. Famous names like LV= and Ageas work with specialists like Mulsanne and KGM.
If you’re a young driver, it’s important to compare car insurance rates before you buy. Why? Van insurance is usually more expensive (more than car insurance) and young driver insurance is usually more expensive (more than more experienced drivers) – combine the two and young drivers can pay a hefty premium. You can get a quote from Go Shorty for short term car insurance for older drivers. For long-term information, compare the recommendations here.
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Most telematics insurance providers will insure young drivers without a black box – but this will cost more.
For example, our study of how much telematics can save found that among insurers that offer both options for young drivers, a telematics plan costs an average of 31%.
If you really want young driver insurance without the black box, we’ve found that big names like Admiral and Hastings will offer cover. It will be more expensive if you choose their telematics cover.
Remember, going on a telematics plan now doesn’t mean you’ll be covered forever—just for the time you have that policy. A little older, you can find a cheaper price without telematics. As you can see in our analysis of car insurance rates, rates drop significantly as a young driver gains experience.
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Finding quotes and determining what a young driver can usually pay for comprehensive
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