New driver UK motor insurance

New drivers have no previous driving history so expect to pay more for UK motor insurance. To find cheaper insurance look out for online offers open to all drivers or introductory discounts which may only be available to drivers over 23 and hold a full licence held for at least 12 months.

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New drivers covers a wide range, from young teenagers to mature drivers so there are different ways to reducing the cost of motor insurance

At Directline young drivers who start off their motoring careers as named drivers on another's policy can build up a no-claims discount if they do not make a claim. If Direct Line's move is seen as successful, it is likely the rest of the car insurance industry will follow suit – slashing the costs for fledgling motorists. Under Direct Line's plan an 18-year-old who spent three years as a named driver and did not make a claim would build up a 50% discount if they switched to a policy in their own name aged 21. Meanwhile, a couple sharing a car would be able to continue maintaining the typical maximum five years and over no claims bonus that brings a reduction of 70% on the price of an insurance premium. But drivers hoping to benefit from the plan will not be able to shop around for car insurance from other firms, as Direct Line is the only insurer to offer named driver no-claims discounts.

Mature driver are in lower risk area so the overall insurance quote will be less plus they may be eligible for an introductory discount which may only be available to drivers over 23 but check first in case a full licence must be held for at least 12 months.

An online discount will be available to any driver who purchases their insurance online so it's something to look out for as most online insurers offer this discount.

The 3 categories of motor insurance are

• Third Party Only, covers the policyholder against damage to a third party's property or to the third party themselves, a Third Party Only policy will pay for the repair to that other car, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you. A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses and if your vehicle is stolen or sets on fire, a Third Party Only policy will not make any payment toward the theft or repair of the car.
• Third Party Fire & Theft, exactly the same as the Third Party Only policy, but will also pay out in the event that your car is stolen or sets on fire.
• Fully Comprehensive, will pay-out for third party damages and injuries, will pay-out in the event of your car being stolen or set on fire, and will also pay for any damage to your own car (regardless of whose fault the accident was).