Young driver UK motor insurance

Young drivers can get cheaper UK motor insurance now for themselves by earning a no claims bonus as a named driver on their parents car. This is only available from Directline for the moment but in the future other motor insurance companies may follow

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The cheapest and quickest way to get on the road for most is to get yourself added to your parents’ car(s) insurance. This will usually be a fairly cheap way of doing it, so long as they don’t drive big and flashy vehicles. They may already have an ‘any driver’ policy, in which case you’re away – though be careful of the small print with such a policy: it may exclude new and/or young drivers.

Best ways of getting cheaper young motor insurance for yourself are;

• Buy a car from a low insurance group, usually small engine and not too old
• Do not make any modification to the car
• Add Thatcham security category 1 alarm or cat 2 immobiliser, if not already fitted
• If your parents are with Direct line ask to be included as a named driver and start earning your no claims bonus
• Shop around as much as possible, follow up recommendations
• Compare and buy online for an extra discount
• Do not have an any driver policy, just yourself or add a parent.
• For cheap cars go for third party only or third party fire and theft
• Increase your voluntary excesses in addition to any compulsory excess

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).