Hastings Direct — Car, Van, Bike & Home Insurance

Young drivers car insurance

Just passed your driving test? Congratulations! All those months of hard work have finally paid off and now the open road awaits you. Having a driving licence will give you a new-found freedom; but if you're 17–25 years old, the high cost of car insurance could make it tricky for you to get behind the wheel.

Choosing from our Hastings Essential, Hastings Direct and Hastings Premier car insurance policies, you can take advantage of our flexible cover with a range of great benefits as standard. What's more, we offer a range of additional benefits that can be added to policies, such as European breakdown cover for road-tripping abroad.

How much should you pay for young driver car insurance?

And why is it so expensive for 17–25 year olds?

Unfortunately, young and inexperienced drivers are considered to be a higher risk by car insurers as you're statistically most likely to be involved in an accident. According to research cited by road safety charity Brake, drivers aged 17–19 make up just 1.5% of UK licence holders, yet are involved in 12% of all serious and fatal crashes. Data from the AA also shows that 23% of 18–24 year olds crash within two years of passing their test. Young drivers are more at risk, so you're more likely to make a claim, which is why car insurance tends to be more expensive.

How can you lower the cost of young driver car insurance?

Before you get behind the wheel, you'll need to find suitable young driver car insurance. If you practiced in your own car, bear in mind your insurance will no longer be valid now you're a fully qualified driver.

If you're looking to get the best deal on car insurance for younger drivers (who isn't?), there are a few things you can do to help lower costs:

1. Choose the right car

Haven't bought your car yet? Before signing your name on the dotted line, carry out research to find out which cars are the cheapest to insure. All car makes and models fall under a car insurance category, which will impact the price you pay.

2. Avoid modifications

You might be tempted to personalise your car but non-safety related modifications almost always lead to a hike in the cost of your car insurance, whether those modifications are functional, aesthetic or performance related. Not only that, but some modifications, such as superchargers, could make it impossible for you to get young driver insurance at all.

3. Increase your excess

This means choosing to pay a higher sum up-front when you make a claim for the rest of the costs. Your excess is up to you but always make sure to choose an amount you can realistically pay. Car insurance is here to give you peace of mind in stressful situations - there's no point buying young driver insurance if you can't afford the excess!

4. Adding a parent to your policy

Adding an experienced driver with a claim free history to your car insurance policy can result in cheaper insurance. But if they're not the main driver of the car, they shouldn't be named as such on your policy as this is against the law.

5. Being part of a multi car policy

Being part of a family multi car policy with your parents, siblings or other household members could save you money through a multi car discount. You would need to get the policy holder to add you and your car onto the household multi car policy, and you can pay for your insurance separately, pay the policy holder directly, or pay back mum and dad in various chores and good deeds!

6. Telematics or 'Black box' car insurance

One option is to consider telematics insurance, such as our SmartMiles policy. This kind of car insurance can help you as a young driver manage the cost of car insurance. It helps maintain safe driving habits through dashboard reports and provides feedback.

7. Drive safely

It may sound obvious, but ensuring you drive safely and keep a point free licence is a guaranteed way of keeping costs to a minimum. If you have no accidents and therefore make no claims, you'll start to build up a no claims discount over the years, leading to a reduction in your car insurance.

Hastings Direct young driver car insurance

Here at Hastings Direct, we believe all safe and competent drivers should be able to enjoy the freedom of driving, regardless of their age. We also understand it can be tricky for young drivers to find the money to cover car insurance costs, particularly when you're still in education and have limited income. Our aim is to keep car insurance as low as possible while at the same time reinforcing the concept of safe driving.

Car insurance

Our refreshingly straightforward car insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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