New and young driver insurance

Comprehensive cover for new drivers. The better you drive, the less you pay.

Car insurance for new and young drivers

So, you’ve passed your test and you’re ready to head out on the road — congratulations! One of the first things you’ll need to think about is car insurance. It’s a legal requirement for every driver in the UK.

Drive well, pay less

Our car insurance is designed specifically for new drivers. Instead of paying expensive prices based on average data, the price you pay is based on how you drive. That means you get a fairer price for your insurance.

Drive safely and you could pay a lot less, a lot sooner.

What insurance do new drivers need?

As a new driver using your car for personal driving, you’ll need social, domestic and pleasure insurance (or SDP).

This type of insurance protects you and other road users if you’re involved in an accident. Our car insurance is fully comprehensive — this means you get all the cover you need to start driving.

What affects the cost of new driver insurance?

There are lots of things that can make the cost of your insurance go up or down. Here are some of the main ones:

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Your age

Young drivers aged between 17 and 24 tend to pay the most for their insurance. That’s because, statistically, young drivers are more likely to be involved in an accident.

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Where you live

If you live in an area with a high rate of vehicle theft or vandalism, the cost of your insurance could go up, too. That’s because the risk of your car being stolen or damaged is higher.

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Your car

Cars that are more powerful and more expensive to buy or repair usually cost more to insure. Also, if your car has been modified, it can also drive up the cost of your cover.

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Your driving history

As a new driver, it’ll take a few years to build your No Claims Discount. Until then, you’re likely to pay more for your cover. Also, if you receive any motoring convictions, your insurance costs could go up even more.

How to pay less for insurance as a new driver

Looking for a cheaper car insurance policy? Check out these tips for young drivers:

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Choose the
right car

The car you drive can make a big difference to your insurance costs.

Insurers typically work out the price of your policy using insurance groups, ranging from 1 to 50. Vehicles that are more powerful and expensive to repair or replace tend to fall into a higher group, which means a higher cost to insure.

By choosing a modestly priced vehicle, with a smaller engine and good range of security features, you can help to lower your insurance risk, and the cost of your cover.

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Add an experienced named driver

Try adding an older, more experienced driver to your insurance policy. This could be a parent or family member — someone you know and trust, and who is likely to use your car from time to time.

By adding a more experienced named driver to your policy, you can help to lower your insurance risk, which can mean lower costs, too.

Just be sure that the person who drives the vehicle the most (you) is listed as the main driver. Otherwise, you might not be fully covered if you need to make a claim.

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Choose a telematics policy

Telematics is a type of technology that measures how well you drive. By driving safely, you can prove to your insurer that you’re a good driver.

For young drivers, it’s a clever way to start paying less for car insurance sooner, especially while you build your No Claims Discount.

Zego Sense is our telematics policy. Unlike similar policies, you don’t need to install a black box device in your car — everything is done through our easy-to-use app. Simply buy your policy, download the app and start driving. Easy!

72% of Zego drivers save money at renewal

72% of Zego drivers save money at renewal

So far, we’ve covered 100,000s of drivers with Zego Sense. Together, they’ve saved more than £2m on their insurance costs (and counting). So why pay more for your cover? Get a Zego Sense policy and start saving now.

Frequently asked questions