Young Drivers

For young drivers it seems they get a lot of stick for little other than being young - this is especially true when it comes to car insurance.

When you first start out driving you have no indication what kind of driver you are going to be - and neither do insurance companies! Because car insurance is calculated on probability simply looking at the numbers is a good way of working out why young driver’s car insurance is so expensive. 

Young Drivers Statistics:

•    One in four road deaths are the death of young drivers
•    The DSA figures suggest that two under 25’s are killed on British roads every day
•    One in eight driving licence holders are under 25, yet one in three drivers who die on UK roads are under 25
•    An 18-yea-old driver is more than three times as likely to be involved in a crash as a 48-year-old
•    One in five new drivers has a crash within 6 months of passing their test

Because young drivers usually haven’t had the time to Be Wiser and gain important driving history, insurance companies have to rely on statistics like these. For young drivers, especially young male drivers, this can feel like you are being punished for other motorists' mistakes.

However, there are ways to keep down the costs of your driving insurance for young drivers.

Carefully consider the impact of your car on insurance – avoiding cars which have a “boy racer,” image is a good start. A car with a decent safety and security rating is most likely to push your premium down. If you find your insurance policy costs are too high you could also take on an advanced driving scheme such as Pass Plus - some insurers reduce premiums by 10% with a Pass Plus certificate and you'll gain some valuable driving skills along the way.

While driving insurance for young drivers is likely to stay high there are ways to keep your driving insurance down – staying safe and Being Wiser goes a long way to helping.

Young Drivers can considering the 'Pay as you go' Insurance, there is an article on this posted here.