Young Driver Car Insurance
Dreaming of the Ferrari or Lamborghini – never mind, maybe in a few more years. Car insurance for young drivers is unfortunately very expensive. Finding cheap car insurance for young drivers or drivers who have just passed their driving test is daunting, but it is not impossible. For a comprehensive car insurance policy most young drivers will be paying between £800 to £1,500 – depending on your specific set of circumstances.
Some cars which are cheaper to insure than most include :
- Most cars with a small engine. Anything from a 1,000 to 1,300 cc. But always get prices for your car insurance before buying a car.
Peugeot 107 is not a bad car to start off with for insurance purposes, to start earning a no claims bonus.
The Kia Picanto, can also be cheaper to insure for young drivers.
The Ford KA is normally pretty good for first time car insurance.
Whilst the Seat Mii, is definitely one of the cheaper cars to insurer for young drivers.
Most reputable insurance companies will now only insure young drivers or learner drivers if they have a Black Box fitted or sometimes referred to as Telematics.
Black Box insurance is designed to give you fairer insurance prices. Black Box insurance is not there to catch you out. The Black Box essentially collects information about how the car is being driven and your driving style. Along with other risk factors it is able to calculate a driving score for you. It can also help you to understand your driving style.
The Black Box can actually help you to save money. The insurance company we use will be able to see how you drive. When you drive safely, they may lower the price of your car insurance at your renewal date, or they may lower the price of any mileage top-ups.
When you take out Black Box car insurance through us, we will arrange for an engineer to fit the Telematics Smart Box straight into your car. You never hear this bit of tech. It just monitors how you drive, from your speed, to your style and when and where you travel too. The safer you drive, the more money you can save.
As your Telematics Smart Box monitors your driving, it will give you a scorer from 1 to 10. You can see this at any time on an app or on your Online Driver Dashboard. It also gives you feedback on your driving and also gives you driving tips. All to make you a safer driver – which is great news for everyone.
You will also get to choose the miles that you wish to drive. We will talk this through with you. If you don’t drive that much, your car insurance will ultimately be cheaper. After all, why pay for car insurance when you are not using your car ?
What will be monitored when you drive ?
Your driver score will be regularly updated, so that when your driving improves, your score goes up. Your driver score is based on :
- Time of use
- Types of roads used e.g. motorways or country lanes
- Location of vehicle
We want you to be safe, to be a safe driver, to save you money and pay less for car insurance. We don’t want to insure the “boy racers” or the “crazy drivers”. We want to reward good driver behaviour on the roads and give you real feedback to enable you to learn how to drive more safely. We are not trying to catch you out.
Fitting the Telematics Smart Box : When ? Where ? Who ?
The good news, is that we don’t post the Black Box to you and expect you to fit it. So don’t worry.
We will arrange a trained engineer to come to you. At a place, day and time that is agreed by you. Just make sure the car is working and your car is in a safe place. Then the engineer will fit your Black Box normally within 1 hour. It is as simple as that.
When will my car insurance start ?
You will be insured to drive your car when you wish to start your policy – so immediately if that is what you want. You don’t have to wait for an engineer to fit your black box.
We will arrange an engineer to visit you within 7 days, but you can use your car straight away.
How much is a Telematics Smart Box?
It is £247.00. This includes the fitting and the engineer call out fees. There is nothing else to pay. There are no hidden fees. We will simply add this £247.00 black box fee into your insurance premium. You can also pay this over 11 monthly instalments by direct debit. Contact us to day, if you want a price for your car insurance.
What if I cancel my car insurance?
You can cancel your car insurance at any point. However, after the Telematics Smart Box has been fitted, it will normally stay in your vehicle, but will be deactivated if you cancel your car insurance. If you want to have your Telematics Smart Box removed, just get in touch to arrange a suitable time and date for this. There is a £50 removal fee for this and will be removed by an engineer.
How do I see how I am driving?
You can view your driving via an app we will send to you or by an Online Driver Dashboard. The Telematics smart Box send you the data and gives you a better idea of how you are driving.
If you are a little heavy on the brakes ? or maybe accelerating a bit too fast ? if there anything about your driving that needs work on, the Online Driver Dashboard will give you access to your information and give you tips.
Tracking Device is included in the price?
The great news, is that your Telematics Smart Box is also a GPS tracking device. This is all included in the price.
So, the benefits are that if your car is stolen by some idiot, it can be traced to its last known location. The insurers we work with will arrange their Data Processors to work with Police to help recover your vehicle.
If your car can not be recovered or has suffered damage, then of course we simply report this to your insurers who will sort out your claim accordingly.