When it comes to searching for the best insurance for young drivers and new drivers, it can often be a tough task. It’s a legal requirement to have car insurance as a motorist in the UK, so it’s important to find the best insurance options out there.
Insurance for new drivers
Many insurance companies don’t tailor their policies to drivers that have recently passed, or young drivers in general. One of the main reasons for this is due to the lack of experience these drivers have, and that statistically they are more likely to be involved in an accident. This in turns pushes up the price of insurance premiums, particularly for young drivers, making it, at times, one of the most expensive aspects of driving.
There are different options available for you to choose from when it comes to selecting the type of cover you want for your car.
The most basic car insurance is Third Party. This covers the other person’s damages if you have an accident, not yours. You will have to pay out yourself for any damage to your car.
The next level is Third Party, Fire and Theft, which covers you for the same as above, but also includes added protection in case your car catches on fire or is stolen.
The top level of car insurance is Comprehensive. This varies between insurance companies, but generally it will cover both yours and the other person’s car if you’re involved in an accident, and includes fire and theft protection too.
Many young drivers at first choose either Third Party or Third Party, Fire and Theft, often thinking that it will be cheaper for them, however, this isn’t always the case. Comprehensive policies can work out cheaper from some insurers; plus, they help give you peace of mind that you are fully covered should something happen.
Cost effective car insurance
So what can you do to get car insurance that is comprehensive, but at a more affordable price?
Well, have you thought about black box insurance? This is an easier way to get a more affordable, personalised quote that is suited to you and your driving style, but is also fully comprehensive. It is a great way for you to obtain good value car insurance, especially as you wouldn’t have accumulated as many No Claims Bonuses.
What is black box insurance?
Unlike traditional car insurance, black box insurance enables an insurer to monitor your driving. This not only provides you with a personalised insurance quote, unlike the generic ones you may find elsewhere, but it can also help you to improve your driving style.
A black box is no bigger than the size of a mobile phone, and is placed within your car (often out of sight). The insurethebox black box record a range of information which is then collated into your own Online Portal, so you can see for yourself where you are driving well – and where you need to improve. It’s a great way for you to understand your driving and identify where you need to work on elements to become a safer overall driver.
Black box insurance with insurethebox also has a number of other benefits, such as our Accident Alert system which senses an impact on the car, and can then alert us that you may have been involved in a collision or accident. The black box can also help you if your car gets stolen thanks to its tracking device, and can help the police in recovering your car. Check out some of the other benefits of black box insurance.
So when you’re next looking for your insurance quote, why not give black box insurance a go? Feel free to contact one of our friendly team, who will be more than happy to help with any questions you may have, or get a quote today.