What is new driver insurance?
New driver insurance is a type of policy specifically for those who have recently passed their driving test. It works in exactly the same way as regular car insurance, but is made specifically for new and young drivers.
Get a New Driver Insurance Quote
How much is insurance for a new driver?
Newly qualified drivers are seen as a bigger risk than most as they don’t have as much experience behind the wheel. As a result, you might find that your insurance is more expensive than those who have been driving for years. We compare quotes from over 30 insurers to get you the best deal possible.
The price you must pay for insurance also depends on a number of other factors, such as where you live and the car you choose.
Why is new driver insurance so expensive?
Car insurance for new drivers is generally more expensive because you haven’t got much experience on the road and are therefore seen as a higher risk to insurance companies.
More experienced drivers would have been able to build up a no claims bonus (NCB) over the years. Essentially, for every year you go without making a claim on your insurance, you build up a year of NCB. Having a NCB can be really valuable in helping to reduce your premium.
How can I get more affordable cover as a new driver?
There are a number of ways you can lower the costs of your insurance.
- Call us. Did you know 82.4% of online customers would have received a more affordable quote if they’d spoken to us directly? Give us a call or request a callback now.
- Take an advanced driving course. Qualifications like PassPlus, IAM and RoSPA help lower the risk that you’ll get into an accident.
- Get black box insurance. FluxScore, our black box insurance, is perfect for those looking to save money on car insurance without the usual limitations like curfews. We can offer up to 60% off your premiums.
- Join a car club or forum. We’re partnered with a number of clubs and forums, meaning we can offer up to 15% off if you’re a member of a club.
- Add a named driver to your insurance. Adding a more experienced driver to your policy can help reduce your premium.
- Drive fewer miles. We can put you on a limited mileage policy if you drive less than 7,500 miles in a year, which can help you save.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
Get a New Driver Insurance Quote
Can I get new driver insurance on my parents’ car?
Yes, you can take out your own policy on your parents’ car, or you can be added as a named driver to their policy. While the first option is generally more expensive, it’ll help you build a no claims bonus, which can significantly reduce your premium in the long term.
It’s important to note that we can only add you onto someone else’s insurance if you’ll only be using the vehicle from time to time. If you’re going to be the main driver of the vehicle but are put down as a named driver, this is a serious crime called “fronting”. This could void you and your parent’s insurance policy and increase both your premiums in the future.
If you’d like to be put down as a named driver on your parent’s policy, give us a call so we can better understand your circumstances.
Can I add my friend or a family member to my policy?
Yes, just let us know who you want to add and we should be able to sort this out. This could even help reduce your insurance premiums, especially if the person you’re adding has more experience than you behind the wheel. And if they have a clean driving licence, this is an added plus.
You can also add the individual as a named driver on a temporary basis, which is perfect if they’re only borrowing your car for a few days or months.
Get a New Driver Insurance Quote
Why choose Adrian Flux for new driver insurance?
Here are just a few reasons to choose Adrian Flux for your new driver insurance:
- Wide range of optional extras, including breakdown cover and keycare
- Cover for non-standard vehicles, including modified cars
- Motorcycle NCB accepted
- Agreed value cover for those who have spent time and money getting their vehicle up to standard
- We recognise extra qualifications, such as RoSPA and PassPlus
Are there any other car insurance options for new drivers?
We offer a wide range of policies that are ideal for first time drivers. Depending on your circumstances, you could benefit from:
- Short-term cover: whether you’re going for a test drive in a car, travelling to an event or only using a vehicle during the holidays, we can get you temporary cover.
- Van insurance: we can provide cover for other types of vehicles too. If you’ve purchased a van for work or pleasure, we can provide cover to new van drivers.
- Black box insurance: with safe driving, our black box insurance could save you up to 60% on your renewal premium.
- Company car insurance: we can cover new drivers with a company car.
FAQs
What are the most affordable cars to insure for new drivers?
As a general rule, choosing a vehicle in a low insurance group can help you find more affordable cover. Insurance groups range from zero to 50 and are largely based on how powerful the car is. A classic car in a relatively low insurance group can be a great option for those looking to reduce their insurance premium.