New Driver Insurance

If you’re taking out car insurance for the first time the choice can be bewildering.

Our comprehensive policy offers new drivers up to £100 of personal belongings cover and £200 for handbag cover. So if you leave your bag in the car and it gets stolen, then you’re covered*. Our comprehensive policy also gives you a courtesy car for the duration of your repair following an accident, so you won’t find yourself having to miss work, or cancel plans with your friends.
* Bags must be kept out of sight and your car must be locked

With all our cover you have the option to add RAC breakdown cover. So help is at hand if your car lets you down and you have chosen RAC Cover.

You can get a quote and buy online in minutes. And our UK-based claims team are on call 24/7 if you ever need to make a claim.

Driving down the cost of cover

It can be hard to find cheap car insurance for new drivers. Perhaps this is because you’re a young driver or a driver with less experience. Insurance companies rate young and inexperienced drivers as a higher risk because they’re more likely to have an accident than an older and more experienced driver.

And if you’re buying insurance for the first time you won’t have had time to build up a No Claims Discount (NCD). This is where drivers are rewarded for careful driving with lower premiums.

There are ways to reduce the cost of your new driver car insurance. Think about the type of car you drive. Cars are put into groups by insurance companies and are rated based on how much they are likely to cost to repair or replace in the event of a claim. Find out which group your car is in.

It is always best to park on a driveway off of the street when possible but if you have to park on the street, make sure your car is left in a well-lit area, preferably outside your home, where you can keep an eye on it. Not only does keeping your car in a safe place when it is not in use reduce the risk of being the victim of an opportunistic crime, it can also bring down the cost of your insurance.

New driver car insurance with no black box

At Go Girl, we don’t use telematics boxes. There are many other ways that we can help drive down the cost of car insurance for young drivers.

As a new and inexperienced driver, it helps to get as much practice as you can. Taking part in the Pass Plus course after you’ve passed your driving test will help further build your confidence on the roads, and may help to keep the cost of your insurance down.

While there are ways to reduce to cost of your insurance, you’ll want to make sure what you want included is covered. Check you know the difference between comprehensive cover and third party insurance.

Find out more ways you can help get cheaper car insurance for new drivers.

Excesses for new drivers

An excess is the amount you pay if you have to make a claim. The size of the excess will depend on the type of car insured, the age and experience of the driver, as well as any voluntary excess you choose to pay.

Find out more about insurance excess and what it means for you.

New drivers under 25

As well as the standard excess, new drivers aged between 17 and 24 will have to pay a young driver excess. This will be based on age and the value of the car, and will be added to the standard excess in the event of a claim.

If you’re a new driver taking out car insurance for the first time Go Girl will give you the peace of mind that you and your car are covered while you take to the road.