YOUNG DRIVER CAR INSURANCE
You’ve passed your test and now have the freedom to drive on your own. Great news! But the cost of car insurance for young drivers can be expensive.
At Go Girl our car insurance suits all ages including young drivers between 17 to 24 giving you the cover you need at a price you can afford.
Our comprehensive cover offers up to £100 of personal belongings cover and up to £200 in handbag cover, as long as your bag was kept out of site and your car secured.
You can get a quote for young driver insurance and buy online in minutes. And our UK-based claims team are on call 24/7 if you ever need to make a claim.
With all of our car insurance options, young drivers have the option to RAC breakdown cover. This means there’s always help at hand, whatever time of the day or night your car lets you down.
Driving down the cost of cover for under 25s
Finding cheap car insurance for young drivers is tough. Premiums are higher because young drivers have less experience and are more likely to have an accident than older, more experienced drivers. But there are ways to reduce the cost.
Young driver insurance with no black box
At Go Girl, we don’t use telematics boxes. There are many other ways that young drivers can help drive down the cost of their insurance.
Young drivers can benefit from cheaper premiums by building up a No Claims Discount. The earlier you take out car insurance as a young driver, the sooner you can start to see the benefits of a No Claims Discount.
Pass Plus scheme
As an inexperienced driver, it helps to get as much practice as you can. Taking part in the Pass Plus driving course after you pass your driving test will give you that extra practice and may help keep the cost of your insurance down. Pass Plus does not require a formal test, instead you are assessed throughout the course ensuring you reach the required standard in all modules. It gives you the opportunity to drive, with an instructor, in a variety of conditions that you may not have experienced at driving school, helping you to be a more confident young driver.
Choosing the right car
The car you drive will affect your premiums. 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. The rule of thumb is that the more expensive the car, the more expensive it will be to insure. If you haven’t yet bought your car, this will be something you will want to consider when weighing up the costs of driving your new car.
It can be tempting to modify your car, but modifications are likely to increase the cost of insurance for young drivers. And if you forget to tell your insurance company that you’ve modified the car you may find that you can’t claim on your insurance.
Young driver excesses
An excess is the amount you pay if you have to make a claim. The size of the excess will vary and depends on the type of car insured, the age and experience of the driver and whether or not the driver has a protected No Claims Discount.
As well as the standard excess, drivers aged between 17 and 24 will also have to pay a young driver excess. This will be based on the age and value of the car and will be added to the standard excess, and any other voluntary excess, if you need to make a claim. Increasing your voluntary excess can help bring down the cost of your insurance, but remember, you will have to pay this sum as well as the other policy excesses if you make a claim so make sure you will be able to afford it.
So now you’re ready to hit the open road you’ll be in safe hands with Go Girl beside you at the wheel.