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Your First Car Insurance
as a New Driver

Your options, honest ways to lower the cost, and why fronting is never worth it.

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New driver holding car keys next to their first car

New driver insurance can be expensive, and it often comes as a shock after passing your test. Here are your options, some honest ways to bring the cost down, and one shortcut you should never take.

You must be insured

Driving without insurance can mean an unlimited fine, a driving ban and up to 8 penalty points. Under the new driver rules, that could cost you your licence. Read the new driver rules.

Your options

  • Your own policy: you’re the main driver of your own car.
  • Named driver: you’re added to someone else’s policy, such as a parent’s, for a car they mainly drive and you drive sometimes.
  • Black box (telematics): a small device or app records how you drive. Careful, smooth driving can bring the price down.

Never ‘front’ a policy

Fronting is when a parent or older driver is put down as the main driver of a car that you actually drive most. It might look cheaper, but it’s insurance fraud.

Your insurance could be invalid, leaving you effectively uninsured, with the fines, ban and costs that come with it. It can also lead to a criminal record, and make insurance much harder to get in future.

Honest ways to lower the cost

  • Compare quotes before you choose a car. The car’s insurance group makes a big difference.
  • Smaller, lower-powered cars are usually cheaper to insure.
  • Consider a black box policy.
  • Pay annually if you can, as monthly payments often cost more overall.
  • Think carefully about your voluntary excess. A higher excess can lower the price, but you’ll pay more if you claim.
  • Ask whether your insurer offers a Pass Plus discount. Not all do.

Thinking about your first car?

Get insurance quotes before you buy. Read buying your first car: what to look for.

Want some help with confidence after your test? Our refresher lessons cover the roads and situations you’re unsure about. Give us a call on 0800 048 7098.

Sources: GOV.UK: Supervise a learner driver (insurance penalties), Insurance Fraud Bureau on fronting, via Insurance Edge, GOV.UK: Pass Plus insurance discounts.

Driving lessons near you

We give one-to-one manual driving lessons in Borehamwood, Colney Heath, Elstree, Harpenden, Hatfield, London Colney, Radlett, St Albans and Shenley.

Want more confidence on the road?

A 2 hour lesson is £80, or save £20 with our 10 hour package for £380. We accept all major credit cards and PayPal.

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