Specialist car insurance for under 21 years old

If you’re a young driver, or one of your children has just started driving, you’ll probably need specialist car insurance for under 21 years old motorists. Young drivers are obviously a greater risk to insurers than older and more seasoned motorists, so those who are just starting out on the road will automatically require a different policy which reflects their inexperience.

The facts and figures

There’s no getting around it; young drivers, particularly teenage boys, are more likely to have an accident than a more experienced motorist. In fact, recent research suggest male drivers aged between 17 and 20 are almost ten times more likely to suffer death or serious injury on the road as a man aged between 40 and 59. It’s a terrible, but undeniable reality, and this is reflected in the price of car insurance for people under 21 years old.

When you come to arrange car insurance for under 21 years old, there’s no point lying about your age, or the age of your child. If you get found it, there’ll be huge problems down the line, so it pays to be honest. It also pays to consider all your options and shop around, because plenty of insurers will offer tailored features which offer real benefit.

For example, some providers of car insurers for under 21 years old will offer a no claims discount for named drivers; others will provide an additional discount if you insure a second car. If you look hard, you can find a company which will cover the excess if you’re hit by an insurer, and many providers will offer a free hire car as standard on the policy.

Generally speaking, most insurers will offer different quotes for motorists of different ages, so a driver aged 17 will have to pay more than an 18-year old, and they in turn will have to pay more than a 19-year old. There’s no ‘one-size-fits-all’ policy for car insurance under 21 years old, so as you (or your child) get older, you should keep reassessing your insurance needs, and move to a cheaper policy as and when it becomes available.

There are lots of places you can go to secure car insurance for under 21 years old drivers. Several major insurers offer tailored quotes for young motorists, and, if you search thoroughly, you may be able to find a company which specialises in offering quotes for drivers aged 21 or under.

The price quoted can vary markedly from one insurer to the next – some offer car insurance for under 21 years old at around £1000, or even less, while others quote as high as £2500 – so you need to make absolutely sure you’re happy with the quote before you agree to it. Even if the price seems off-putting at first, don’t get down about it – everyone has to pay a high price for the first insurance policy, it’s just one of life’s unavoidable expenses and you just have to accept it.

If you feel like you need advice to get the right quote, or you just want to chat through some of the issues, get in touch with a dedicated insurance advisor. Insurance companies know how difficult it is to arrange a quote on car insurance for under 21 years old drivers, so they’ll happily take the time to talk about all the relevant issues, and you may get some insight that’s not available anywhere on the internet – without paying for the privilege.

So, in short, stay patient, stay focused and don’t get frustrated, no matter how complex and unfair the process seems. You’ll find the quote you’re looking for in no time!