YOUNG DRIVER INSURANCE

Our ultimate guide for young and new drivers to help you find the most suitable cover.

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Based on reviews of all products.

Car insurance for young drivers

At Marmalade, we’ve been specialising in insurance for young and learner drivers for over 15 years, making getting on the road more straightforward. We’re here to breakdown some of the different insurance options available, explain how you might be able to save and answer your burning questions.

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What type of insurance do young drivers need?

There are different types of insurance available, each offering different levels of cover. Comprehensive cover protects you, any other parties involved should you have an accident and the cost of your car repairs or replacement which means you’ll pay your excess only and can have peace of mind that you won’t have to foot the entire bill yourself.

Other options are Third Party, which covers only the third party if you’re in an accident, and Third Party Fire & Theft, which has the third party covered plus protection if your car is stolen.

Car insurance for young drivers

We’ve said it once and we’ll say it again, insurance isn’t a one size fits all kind of thing – your cover, and cover how much it costs will depend on your circumstances. Don’t assume that a full annual policy on a car you own is your only option – cover on a parent's car, or temporary car insurance may suit you better.

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What new driver car insurance options are there?

Own car insurance

Named driver insurance

Cover on the family car that won’t affect your parents’ No Claims Discount. Plus, you’ll start earning your own NCD.

Short term learner insurance

Temporary insurance for learner drivers helps provisional licence holders practise their skills in a parent’s or friend’s car.

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Car sharing insurance for young drivers

Car sharing insurance allows flexibility for young drivers to get behind the wheel, without needing to invest in a new car. They are standalone policies that sit alongside the main insurance, covering the young driver when they are behind the wheel – meaning there is no risk to the car owner’s No Claims Discount. This comprehensive cover is available on a short-term and annual basis.

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Are black box policies cheaper for young drivers?

Black Box Insurance can help young drivers save money as it allows them to prove they are safe behind the wheel when they have little to no driving history. The technology tracks driving behaviours which means that insurers can better judge the level of risk and price the premium more accurately.

The price is then based on how the individual drives, rather than young drivers in general – meaning safer drivers can see the benefit of this at renewal.

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Frequently asked questions

Is it cheaper for young drivers to drive their parents' car?

Sometimes it can be, it will depend on the car which a young driver would like to buy and the insurance costs for being insured on a parent’s car. Driving a parent’s car is a popular option amongst young drivers in an attempt to save money, because the young driver doesn’t have to buy their own set of wheels. There are also a variety of insurance options for driving a parent’s car, like Named Young Driver Insurance.

What is the cheapest car insurance for young drivers?

This will always depend on the young drivers' circumstances at the time – are they driving their own car or their parents’? Is it short term or annual cover? Our product finder is a handy way to start your search for the cheapest car insurance that Marmalade can offer you.

What is the best insurance group for young drivers?

Getting a car in the lowest insurance group possible can help you save on insurance costs. Check out our handy guide to insurance groups.

Are newer cars cheaper to insure for young drivers?

There are loads of perks that come with having a new car as they are likely to include more safety features than an older car. However, as insurance is based on a number of factors, each insurer's approach will vary. There's no obligation to buy if you get a quote - so it's a good idea to get a quote on a car you are considering before you sign on the dotted line!

What are the best cars to insure for young drivers?

Generally smaller, less powerful cars are the cheapest to insure for young drivers, but it’s also worth thinking about long-term driving when making the investment. Here’s a list of popular first cars for young drivers.

How can young drivers lower car insurance premiums?

Black box technology can be one great way for young drivers to keep down their insurance premiums. This is because we can more accurately price your premium based on your individual risk once we’ve tracked your driving with black box insurance.

Am I insured to take my driving test?

Yes all of our policies that cover you on a provisional licence provide cover for the driving test. Please read our top tips on taking the driving test in your own car to find out about what you need in order to be able to take the driving test in your car.

Do you provide young driver insurance in NI?

Yes, you’ll be pleased to know that our Young Driver Insurance is available in the majority of UK postcodes including Northern Ireland.

What is the best insurance strategy for 17 and 18 year olds?

Buying car insurance for 17 and 18 year olds can be confusing and sometimes, more expensive than you may have first thought. As experts in young driver insurance, we are dedicated to bringing you a range of options whether you are a learner or full licence holder, a car owner or looking to use a parent's car. We can help you compare insurance options for 17 and 18 year olds.

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Marmalade is a trading name of Atlanta Insurance Intermediaries Limited. Authorised and Regulated by the Financial Conduct Authority under firm reference number 309599. Company registration number: 756681. Registered address: Embankment West Tower, 101 Cathedral Approach, Salford, M3 7FB. Atlanta Insurance Intermediaries Limited can be found on the Financial Services Register under reference number 309599. For more information, please contact us. Calls are recorded for training and quality purposes.