Insurance Companies Offering Young Driver Motor Insurance

Young drivers in the UK looking for motor insurance have obviously realised, after only a few phone calls or general word of mouth, that finding affordable and reliable car insurance is very difficult in the UK. Young drivers are not seen favourably by insurance companies due to their inclination to have high claims and have more accidents.

However, many car insurance companies and comparison websites have begun to work together to offer discounts to young drivers. Sometimes, simply by using one comparison website, you will receive a discount from the insurance company.

Other insurance companies are offering discounts simply by using their online website or getting a quote online. Furthermore, insurance companies have started to work around the young driver problem by offering no claims incentives that are beneficial both to young motorists and the insurance company. Many are giving 10 to 48 percent discounts on the internet after you have made no claims after a year.

Some insurance companies are specialising in offering insurance to young drivers who have been driving for a year and made no claim. They offer to give you a significant discount if you sign up with them and are happy to give out accelerated no claims bonuses in just a few months. The no claims schemes are really where young people can find themselves saving, as at least they can get their money back at some stage or find themselves paying cheaper premiums the more they show that they can drive responsibly and not claim from the insurance company.

There are a number of things you can do that not only gets you a cheaper insurance premium, but gives you the ability to keep your insurance premiums low.

1) Buy a vehicle with a modest engine capacity – not too big, and not too powerful.

2) Take the Pass Plus exam. Pass plus can give you substantial discounts on your premiums, plus the UK government may reimburse you either all or some of the cost of the course. Furthermore, the course gives you more confidence and skill on the road, meaning that no claims bonuses are going to be a reality.

3) Don't modify your car, and don't buy a car with modifications. Especially modifications to the engine and performance of the car. You don't want the insurance company thinking you're a racer.

4) Don't just go for Fully Comprehensive insurance - Third Party Only may suit your needs perfectly.

5) Shop, shop, shop. Don't be in too much of a rush to get your insurance – but remember that you must have insurance to be legal on the road.

6) Think about where you will be parking the vehicle – in a garage or place where it's safe. This can drop your premiums.

Affordable motor insurance for young people is definitely possible, you just need to shop around and deal with the many insurance companies that are specialising on providing insurance to your age group.