Young Driver Insurers

Compare Young Driver Car Insurers

Cover for
Young Drivers, aged 17-25
Service Offered
Compare prices, and start saving from providers who can offer policies for young, teenage and new drivers
Details

Quotezone Car Insurance for Young Drivers

Cover Terms
Learner Drivers
Applicable Age
17 - 22

Tempcover Learner Car Insurance

Cover Term
1 to 140 Days
Applicable Age
17 - 40
Details

InsureLearnerDriver.co.uk Car Insurance

Cover for
Young drivers with points on licence
Details

Quotesearcher Car Insurance for Young Drivers with Points

Cover for
Young drivers with points
Details

Quotezone Car Insurance for Young Drivers with Points

Young Marmalade

Young Marmalade – specialist car insurance

Young Marmalade offers car insurance exclusively to young drivers and learner drivers. Marmalade also offers a range of cars for sale, specially chosen to be suitable for novice drivers. If you are a young driver and thinking about using Young Marmalade, use our car insurance comparison service first to make sure they offer you the cover you want and the best value for money. Just check out the table below for some of the latest car insurance deals:

Benefits of choosing Young Marmalade car insurance

Features of Young Marmalade learner insurance include:
  • Instant comprehensive cover
  • Choose cover for 30 days, 60 days or 90 days
  • Protect car owner’s no claim bonus – if your son or daughter is learning to drive in your car, your own no-claims discount could be protected
Features of Young Marmalade new driver insurance include:
  • State-of-the-art ‘black box’ technology tracks your driving habits – including your acceleration, braking, cornering and speed – and gives you feedback to help you develop safer driving skills.
  • You’ll receive the maximum discount on your premium right away – bear in mind that it will be increased if the black box shows that you are driving dangerously.
  • Friendly UK-based call centres ready to help you with any claim
  • No night time driving curfews – unlike some new driver insurance policies
  • Free black box fitting
  • Start building up your no claims bonus right away – and take it with you when you move onto a new car insurance policy
Purchase a combined car and insurance ‘Fuel & Go’ package from Marmalade and you could benefit from:
  • A choice of brand new cars from manufacturers such as Fiat, Ford, Alfa Romeo, Vauxhall and Peugeot
  • Free or reduced insurance deals (subject to status, terms and conditions apply)
  • Get a new car from £500 deposit, with payments from £189 per month
  • Available from age 17 and up
Driver Insurance Offers

Compare Car Insurance

Car Insurance in the UK is compulsory under the 1988 Road Traffic Act and it is an offence to take a car onto a public highway without at least third party insurance in place.

Most basic car insurance policies cover third party, fire and theft covering third party liabilities as well as damage to the car caused by fire or loss due to theft. Comprehensive car insurance which is more expensive covers third party, fire and theft but also covers any damage caused by the driver to the car being driven.

According to the Motor Insurers Bureau uninsured drivers (approximately two million motorists according to the department of transport) inflict approximately £380 million of damage on UK roads which is passed on in higher insurance premiums.

Under the law a car must have a valid car insurance policy if it is taxed or not or whether it is kept on a public highway or not and whether it is driven or not.

If a car is not being used its tax disc must be redeemed and the relevent declaration (SORN) completed to confirm that the car is being kept off public roads. The scheme will provide a new fixed penalty for people who ignore official reminders that their insurance has expired. the maximum penalty for offenders is £5,000 and an automatic endorsement of your driver license with 6 to 8 penalty points.

See below for different types of car insurance:

Type of Car Insurance

Car Insurance Features

Comprehensive Car Insurance

As the name suggests provides cover both to third parties but also to you and your own car and passengers in the event of an accident. This type of cover usually allows you to drive another car (may only be on a third party basis).

Car Legal Expenses Insurance

Normally sold as an add on to car insurance and provides legal expense cover in the event of a dispute e.g. if you are in an accident that is not your fault you may wish to claim back uninsured losses and legal expense cover will help you fund the legal costs.

Third Party Car Insurance

Third party car insurance is the minimum cover required by UK law on a vehicle used ona public highway. If you have an accident this cover will protect you from having to pay for damage to other vehicles. You cannot make a claim against your own vehicle.

Third Party Fire and Theft Car Insurance

In addition to covering third party liabilites this cover also provides financial protection in the event of damage to your car in the event of fire or loss due to theft.

As with many things in life the more time you put into something the more you will get out and with buying car insurance spending some time understanding what to look out for can save you both time and money in the long run and should ensure that you end up with the right cover.

Things to consider:

Age

If you are under 25 you will generally pay more for car insurance. For teenagers the cost of car insurance can be very high. Some insurers provide young driver car insurance schemes e.g. The Co-op and Young Marmalade provide specialist insurance for younger drivers

Voluntary Excess

To keep the cost of car insurance down many insurers provide you with the option of a voluntary excess on any claim. This is paid over and above any compulsory excess on the policy.

Gender

In the past specialist women’s car insurance providers could offer a better deal. Women generally tend to make less expensive claims than men, and so insurance companies historically reflected this in offering cheaper premiums. However, in March 2012, the European Court of Justice ruled that insurance providers cannot discriminate on gender. This ruling came into effect from December 2012.

Car Mileage

Some car insurers will adjust their car insurance premium based on the mileage you do. It is important you give an accurate indication of expected annual mileage to ensure you are not paying more than you need to.   Check with your existing car insurer (if relevant) – If you already have an existing car check with your existing insurer about adding a second car onto the policy. Some car insurance companies will provide you with a discount for including a second vehicle – often called multi car insurance.

Using a Comparison website

Online comparison websites provide a useful and easy way of getting car insurance quotes. No car insurance comparison website covers the whole market so it makes sense to use more than one source to ensure you are getting the right cover at the right price. You should also note that some insurance companies do not appear on comparison websites e.g. Direct Line Car Insurance and Aviva Car Insurance

Using a Car Insurance broker

If you are not sure what cover you need or want somebody to help you through the process there are many car insurance brokers who will be happy to help. A good insurance broker will not help you in buying car insurance but also provide support in the event that you need to make a claim.If you intend to use a broker you should check their FCA (Financial Conduct Authority) registration on the FCA website.

Providing correct information

In assessing the insurance risk an insurance company will rely on the information that you give as being accurate. Information provided will determine whether insurance is provided and the cost of premiums. It is therefore important that any information you provide is correct e.g. information on any driving offences where you have been given points can have a material impact on the premium you are required to pay. Non disclosure of such information at the time of application can result in a non payout in the event of a claim. If you are using a car insurance broker this is where valuable advice can be provided.

Cheapest is not always best

With insurance you generally get what you pay for so before you sign up to an insurance policy you should be aware of what you are covered for and what is excluded. You should consider what you need and ensure you are adequately covered. This may mean you have to pay more to get what you want.

Automatic Renewal

When you buy car insurance and you pay by direct debit some insurance companies will automatically renew your car insurance policy at the renewal date. You should receive a written notice of the car insurance renewal and any increase in the premium. If you are not happy you need to be proactive and shop around before the renewal date and cancel the existing policy before renewal.

Changing your mind

You have the right to change your mind within a set period normally 14 days from purchase of the car insurance policy and have your money returned.

Search Car Insurance