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Our primary goal is to make classic car insurance shopping, a complete breeze. We have the latest comparison online tool which can generate you an accurate quote within minutes of completing the form.

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Getting a quote couldn’t be easier, just click on the quote button to start, takes a couple of minutes to enter a few details about you and are classic car and away you go!

Car insurance for young drivers

If you need any help, these articles may be of use to you, we explain the benefits of using a classic car insurance compare site, the age limits of the cars and also if you’re wanting to insure an American classic car too, we have further insurance information below with additional articles for you to read if needed.

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These Articles will explain a little further about classic car insurance incase you’re wanting more information, feel free to take a read, They should help you with obtaining a decent low price classic car insurance quote.

Cheap classic car insurance, the run down..

Classic car insurance under 21, 25, any tips…

Classic Car Insurance in the UK could not be easier!

Vintage and classic car owners are often devoted to maintaining their cars because they consider them a hobby, passion and a great treasure. That’s why they need specialised classic car insurance policies that can protect the cars against any damage as well as the increased risk of theft. But since the insurance market is filled with a lot of insurance companies, there’s need for one to carry out classic car insurance comparison to find favourable policy options that can cover the classic car while making significant savings.

What Is A Classic Car?

For insurance purposes, a classic car can be defined as a car that’s 15 years or older. There’s no fixed age group into which a classic car can fit into; the definition is entirely at the discretion of the insurer. That is why it is good to compare among the range of classic car insurance providers and prices before subscribing to one. Classic car policies prices are very competitive as many insurers believe that such vehicles are well maintained by caring drivers and keep the lowest mileage as possible.

How Are Classic Car Insurance Covers Valued?

Classic car insurers offer either standard cover for cars at their current market value ( which can be less than their true value) or specialised classic car policies covering cars for their true value as classic( often referred to as agreed value cover). Car owners looking for agreed value cover can always speak to insurers to find out whether they can add it to their policy. Choosing to add an agreed value cover to a policy might increase premiums and cause the car owner to incur additional charges but it can offer cover that’s specifically tailored to the classic car. Other additional cover options offered by insurers in the UK market include breakdown cover, legal protection, EU cover, Laid up cover (when the vehicle is on the road) and limited mileage discounts. It is important for classic car owners to look at the fine print of the cover value of any of policies before buying any of them, if they have any doubts.

How Is Classic Car Security Ensured?

Desirable classic and vintage cars can be attractive to thieves since most of them do not have sophisticated security systems. That’s why some insurers will insist that classic vehicles under insurance be garaged overnight or be fitted with enhanced security systems. Fixing an alarm system or a tracker on a classic car can not only protect the car against any risk of theft but it also helps significantly cut down the cost of the cover. Upon making any modification to the car, the owner should inform the insurer of the changes made to the factory- standard specifications, without which the cover will be invalidated.

Is Joining Classic Clubs Important When Finding An Insurance Cover For A Classic Car?

Members of a classic car club often receive discounts from some insurers when arranging cover for the vehicle. Some clubs can also provide for a convenient way of finding specialist insurers for vintage vehicles. But the most important thing for any classic car owner is to compare prices and product features against the other available options in the market so as to get the right policy at the lowest cost possible.

There are additional benefits to joining a classic car social group, outings, drive bys during summer periods and just the general fun you would obtain from driving your classic car, besides all that, you can meet great people who share the same interests as you.

Classic car insurance tips and help…

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Finding you and your car the right quote

When applying for car insurance quotes, you’ll need to have the following details to hand:

Information about your car

This includes the make and model, plus the age and value of your car (every make and model of car is allocated to an insurance group, which helps determine your premium. You can find out which group your car belongs to using this tool). You’re also required to declare any modifications you’ve made.

Information about you

Your job, age, and where you live will need to be provided, along with details of your driving history (including any convictions and claims).

Named drivers

The names and licence details of anyone who will be driving your car need to be provided.

No Claims Discount (NCD) history

Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

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How to reduce the cost of car insurance

Car insurance can be one of the most expensive aspects of owning a car. MoneySuperMarket data shows the average cost of annual car insurance is £579 (September 2017), this is an increase of 7.5% compared to this time last year. Here are our top tips on how to reduce your premiums:

Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

Compare quotes: Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £286 on their annual premium*.

Increase your excess: Insurers are likely to reduce the cost of cover if you increase your excess. Just make sure your excess is affordable. Read our voluntary excess guide.

Build a no claims discount: Most insurers reward drivers for claims-free driving.

*51% of customers could save up to £286.06 Consumer Intelligence, September 2017

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What types of car insurance policy are available?

Third party provides the lowest level of car insurance cover. It insures you against damage to another person’s car or injury to them, however it doesn’t cover your car should it need to be repaired or replaced.

Third Party Fire and Theft

With third party, fire and theft you have additional cover to repair or replace your car if it’s stolen, damaged or destroyed by fire.

Comprehensive Cover

Fully comprehensive car insurance offers complete cover for your car and other drivers. This includes third party and third party fire theft, vandalism damage, accidental damage, repairs, and loss of gadgets such as sat nav systems.

Our dedicated guides will help you work out which type of cover is right for you and your motor.

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It’s our job to find you the best car insurance deal from a wide range of leading UK insurance companies. When you enter your details on our site, we send them to over 140 car insurers so they can compete for your business.

We rank the quotes they offer in price order so you can make your selection.

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Car insurance guide

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Fight back against expensive young drivers insurance

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Get a specialist Business car insurance policy

Car insurance groups

Find out why the type of car you choose affects the cost of car insurance

Learner driver insurance

Will you need to pay for learner driver insurance on top of tuition fees

Fully comprehensive cover

Find out why the most complete level of cover isn t always the most expensive option.

Excess insurance

Insuring against high excess costs could save you money if you ever have to claim.

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If you re buying a new car, it s well worth considering gap insurance.

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How adding a named driver can lower the cost of car insurance.

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We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.


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Looking for The Cheapest Car Insurance

Liability car insurance is required by law, but there are other reasons to carry a policy. Most lenders require full coverage insurance if you are buying a car. Plus, it protects you in the event of an accident even if you are not at fault. However, car insurance often is expensive and can take a chunk out of the budget, especially if you have more than one driver or multiple cars.

Time-consuming and Challenging

Looking for the cheapest car insurance can be a challenge for the busy person. It requires them to input their information over and over on various company websites or call insurance providers to get quotes. In the end, many people get frustrated and settle for the first reasonable quote they receive. Unfortunately, they may be missing out on a good deal because they didn’t have the time to spend on research.

With our site, you don’t have to take up your valuable time shopping for prices on insurance coverage. Just use our site to do the comparison for you. You enjoy the benefit of inputting your information one time and receiving multiple quotes that are relevant to your needs. With this method, you end up saving time and money.

Accurate Information for Accurate Rates

The key to getting the cheapest car insurance possible is to put as much information as you know to get more accurate quotes. For instance, including your zip code allows us to search for quotes based on where you live, which can have an impact on the prices you receive. By providing as much information as possible, you can view the results in the comparison chart and know where you save the most money.

When you use our comparison site, you end up with rates that are a true comparison. The coverage is the same or similar for each of the companies, which helps you to recognize where you are truly getting the best deal. This allows you to select affordable coverage instead of limiting yourself to the least expensive policy you can find on your own. When looking for the cheapest auto insurance, you can make sure that your policy limits are what you want them to be, giving you peace of mind while staying within budget.


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Young Driver Car Insurance Quotes

for Learner Drivers and New Drivers

Now there is no excuse for that extra practice with your family and friends! We recommend you get as many quotes as you can to make sure you get the right insurance for your circumstances.

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MyFirstUK – Insurance brokers for young drivers

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QuoteZone – Cheap young drivers insurance (under 25)

Quotezone takes the hassle out of finding cheap young driver insurance quotes, by using a panel of UK specialist young driver insurance brokers, who offer cheap young driver insurance for teenagers and new drivers.

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ingenie Young Driver’s Car Insurance

We fit a black box in your car so we can treat you as an individual and reward you for driving well.

To help you improve we give you simple, regular feedback which you can view online and on your phone. This lets you take responsibility for how you drive as well as how much you pay for your insurance.

Young drivers save an average of £500 when they buy their car insurance from ingenie. And with our black box, 17 to 25 year olds can earn an extra 21% off during the year just by driving well.

There’s no night-time curfews and you could be earning money back after just 3 months – win.

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Collingwood Learner Driver Insurance

Drive your parents, grandparents, friends or relatives car without any risk to their insurance. Just take out a policy for each vehicle when you need it. Cheap car insurance for young driversGet Your Free Quote

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Dayinsure Learner

Welcome to Dayinsure, the original providers of flexible, low cost, short term insurance.

Quick and easy to arrange, one of the best things about Dayinsure Learner policies is that the vehicle owner’s no-claims discount is not put at risk.

Dayinsure Learner policies are fully comprehensive and are ideal if you require cover to learn to drive or take your test, in a car owned by a friend or family member.

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Insure Daily Learner Driver

The car must already be insured by the owner, as our insurance policy is issued in the name of the learner driver as a ‘top-up’ cover, so as not to affect the No Claims Bonus of the car owner’s in the event of a damage claim.

  • Get FREE L-plates and Theory Test practice DVD when you take out a policy using code ‘FREEPLATE14’
  • Temporary learner driver insurance now from 7 days (1 week) to 140 days (5 months)
  • Simple pricing structure for provisional licence holders aged 17 – 40
  • The policy is written in the name of the learner driver to protect the car owner’s No Claim Bonus
  • Cover for cars up to group 28 with a current market value up to £25000
  • Instant cover arranged online and within minutes using a Debit or Credit Card
  • Immediate electronic delivery of printable insurance documents 7 policy cover periods to choose from and start driving immediately as required

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Telematics Car Insurance

By Anita Shargall on Tuesday 16 May 2017

Car insurance for young drivers

Car insurance for young drivers

MoneySuperMarket data. Correct as of March 2017

What is telematics car insurance?

Telematics insurance, sometimes referred to as ‘black box’ insurance, uses data about where, when and how you drive to help bring down the cost of car insurance.

A telematics box is installed inside your car, or in some cases you download an app to your mobile phone, to measure various aspects of your driving and share that data with your insurer. If you can demonstrate that you are a safe driver, your insurance premium will reduce.

It’s perhaps not surprise that telematics car insurance policies are gaining in popularity, especially for young and inexperienced drivers whose premiums can be sky high.

How telematics differs to other insurance policies

Unlike a standard car insurance policy, a telematics policy requires the installation of a black box device in your vehicle, or the downloading of an app to your mobile phone.

Car insurers always look at a number of risk factors before setting your premium. These include your age, where you live, your occupation and the make and model of the car you want to insure. What makes telematics policies different is that they also take into account your driving behaviour, particularly the length of journeys you typically undertake, the types of road you tend to use, what time you’re usually on the road, and how smoothly you drive.

Your telematics policy will initially cost pretty much the same as a normal policy, but as the insurer monitors your driving, it can start to adjust your premium. This will be done at monthly, quarterly or when the policy comes up for renewal.

You can also see the ‘scores’ you are getting as your driving is monitored, allowing you to make adjustments to improve your telematics performance.

Car insurance for young drivers

MoneySuperMarket data. Correct as of March 2017

Premiums tailored to you

The time of day and which roads you use, along with your driving style, have a big impact on your driving record, which in turn affects the premium you pay. For example, accidents are much more likely at night and in rush hour, and certain roads can be shown to be more dangerous.

With a telematics policy your insurer can track your time on the road and adjust your premiums to more accurately reflect the risk of a claim. For some drivers a telematics premium can be as much as £200 cheaper than a standard policy*

Who is black box insurance for?

The cost of car insurance can be a considerable strain on a motorist’s budget.

While the average car insurance premium is around £500**, inexperienced and young drivers can pay a particularly high price for car insurance. The statistics show that they are more likely to be involved in an accident and therefore more likely to make a claim, so premiums for young or inexperienced motorists can soar into the thousands of pounds, often making it unaffordable to run a car.

Choosing a telematics car insurance policy is one way to reduce your premium if you are in a high risk group, such as:

Cut the cost of cover for young drivers

Telematics insurance companies reckon they can cut the average car insurance premium by about 25% for safe drivers.

But some motorists can benefit from much bigger savings. Young drivers stand to gain from a telematics car insurance policy, as do motorists with driving convictions, who can often pay sky-high premiums. Telematics car insurance can also work to your advantage if you are a careful driver who rarely gets behind the wheel.

Car insurance for young drivers

MoneySuperMarket data. Correct as of March 2017

Charges and restrictions

If you are a young or inexperienced driver and think a telematics premium could save you money, you should also consider the potential disadvantages. Some telematics insurance policies impose restrictions on when and where you can use your car, for example ‘banning’ night-time driving.

Privacy is another consideration. You should always read carefully the firm’s commitment to the use of personal data.

Check also if the telematics insurance company charges for the black box and its installation – and what happens if this is damaged or if you choose to cancel the policy.

You should also ask about your ability to switch to a different insurer when it comes to renewal, and whether you’ll be able to take your telematics track record with you to a different insurance provider.

Choosing a telematics policy

Some experts believe telematics insurance will soon become the norm – interest is certainly high among young drivers in particular.

Compare telematics insurance premiums

Not surprisingly, more insurers are offering telematics car insurance policies, and you can compare premiums using MoneySuperMarket’s free independent comparison site to make sure you get the best deal.

Telematics car insurance providers all use similar technology, but the policies work slightly differently.

Some give you and annual mileage allowance (say, 5,000 miles) and then award bonus miles to careful drivers. Miles could also be deducted from the allowance for a number of risky activities including driving at rush hour or at night.

The data is then used to decide renewal premiums, with discounts for the safest motorists. Alternatively, you can pay for cover by the mile – and the price varies according to the time of the day or night that you take the car on the road.

Installing the Black Box

If you take out a telematics insurance policy, the insurer will either fit a black box to your car itself or send it to you through the post with instructions on how to install it. The black box is no bigger than a smartphone and is often attached to your dashboard.

Alternatively, you will be asked to download an app to your mobile device – and you’ll only be insured if you take your device with you when you drive (remembering never to use it to make calls or send texts or perform any other functions while you’re driving!).

In addition to monitoring where and when you drive, the black box also records how you handle the car – acceleration, braking, cornering and so on. This means that the telematics insurance provider will know whether you drive in rush hour, at high speed and whether you brake harshly and frequently.

If you have an accident

Fans of the black box argue that it encourages safer driving. The technology can also help to track down your vehicle if it is stolen and assist in managing a claim after an accident (it can often serve as an independent, objective witness to the events leading up to the crash).

Car insurance for young drivers

Sources

*MoneySuperMarket car insurance data 1 st – 28 th Feb 2017

** MoneySuperMarket car insurance data 1 st January – 31 st March 2017

*** MoneySuperMarket car insurance data Feb 2016 vs 2017

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Spend less on your car insurance

Young Drivers (17-25)

Learner Drivers

*Providing your driving test is not passed within the first 42 days of inception of the policy. Other concurrent changes such as change of vehicle or address may affect the premium.

  • Cheapest car insurance for young drivers

You could get an initial safer driving discount of up to 25% off your learner or new driver driver insurance, plus up to 40% if you renew. Best of all you get no increase when you pass your test.

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    We arrange an engineer to visit

    You are covered to drive as soon as your policy starts. We will arrange a convenient day and location for our engineer to fit the iKube within 8 days.

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    Avoid The Riskier Hours

    Additional premiums will be payable if you drive between 11pm – 5 am as these hours carry additional risk especially in the first few months of your driving.

    What our customers are saying about iKube

    Cheapest

    “iKube gave me the cheapest quote at renewal, that’s why I stayed for the second year. It doesn’t bother me not being able to drive late.”

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    “Insurance costs for young drivers are getting out of control, iKube allows me to take control and prove I deserve to pay less.”

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    “In my 3rd year of renewal I was offered an unrestricted policy, young drivers can be rewarded financially for behaving on the road.”

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  • iKube Insurance is a trading name of Towergate Underwriting Group Limited. Towergate Underwriting Group Limited is authorised and regulated by the Financial Conduct Authority.

    Registered in England No: 4043759. Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN.


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    Young drivers’ car insurance

    Compare cheap young drivers’ car insurance quotes from multiple insurance brands

    • Young drivers aged 17-24 have a better chance of finding the right deal by comparing
    • You can easily compare both telematics and standard options from your results page
    • Read our guide for more tips on cutting the cost of young drivers’ car insurance

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    Key points


    • Young drivers pay more because of inexperience, reputation and risk
    • Driving without insurance is illegal and you risk having your licence revoked
    • Follow our tips for help in getting the right cover and keeping the price affordable

    As a young driver, getting car insurance at the right price and with the right level of cover can be frustrating.

    Not all insurers will quote for you, and when they do the prices they offer can be really high.

    But it’s vital to arrange the right policy – in 2012, DVLA figures revealed that 10,797 drivers with fewer than two years’ experience lost their licences and more than half of those cases were because they were driving without insurance.

    With this in mind, we’ve put together some information to try to help you find a better deal.

    “There are ways to try to reduce the cost as you build up a safe driver record and no-claims discount,” said Gocompare.com’s Lee Griffin.

    Why young drivers pay more for car insurance

    There are three main reasons why young drivers have to pay a lot for their car insurance – inexperience, reputation and risk.

    Inexperience

    Driving experience is a crucial factor – the more time you spend on the road the better your driving is likely to be.

    Drivers with more experience have a proven track record so long as they stay conviction and claim free and, as a result, they get a discount on the price of their car insurance (called a no claims bonus).

    Reputation

    Young drivers have a reputation for causing more accidents than any other age group and statistics from the Association of British Insurers prove that this is true.

    Need more information?

    The data reveals that the UK’s 18-year-olds alone cause 50 collisions a day – three times more than drivers in their 50s.

    Indeed, male drivers under the age of 21 are 10 times more likely to be involved in a motoring accident than drivers over the age of 30. [1]

    This means insurance companies pay out more in claims for young drivers and so charge more for insurance cover.

    Car insurance premiums are based on risk (how likely it is that an insurer will have to pay out on a claim).

    Insurers will look at your quote details (eg your claims history, the cost or type of the car you drive, where you live, your driving experience) and then decide what to charge.

    Young drivers have more accidents and experience more car security issues, such as theft and vandalism, as crime rates are higher amongst young people.

    They are, therefore, seen as a greater risk, and this is reflected in the high price of premiums.

    How young drivers can reduce their car insurance premiums

    While higher prices are the norm for younger drivers, there are some things you can do to lower your insurance costs. Read our top tips for cutting the cost of car insurance, but young drivers may want to focus on the following:

    Did you know.


    • Adding an experienced driver to your policy could reduce your premium.
    • . but if you’re not honest about who the main driver is you’re committing a fraud known as fronting

    Choose a small car

    Get a car with a small engine – for example a 1.1 litre rather than a 1.6 litre – which is in a low car insurance group.

    You’ll also pay less road tax if your car has a small engine capacity.

    Avoid modifications

    Modifications (upgrades to styling, audio or performance) may look good, but for the younger driver they mean a big increase in the price of car insurance.

    Alloy wheels, body kits and performance upgrades make vehicles more attractive to car thieves. Modified cars also tend to be more expensive to fix than ordinary cars.

    Named drivers

    Adding another driver with a clean licence and several years’ claim-free driving to your policy could reduce your premium.

    Just make sure you get consent from the person(s) who you’d like to add so that they know to declare that they have access to another car when getting their own insurance.

    Also, if you’re the main driver make sure you’re noted as such on the policy.

    If you say the other person is the main driver because they have a better driving history you’re committing a fraud known as fronting and you could invalidate your insurance.

    Limit your mileage

    If you only drive at set times of the year (perhaps during term time) then let your insurance company know.

    To lower the risk of having an accident, avoid driving in rush hour and limit your annual mileage.

    Consider a telematics policy

    A telematics car insurance policy works by using a black box or a mobile phone app to monitor your driving and then using the data gathered as the basis for setting your insurance premium.

    Such policies are available for drivers of all ages, but are thought to be especially beneficial for safe, young drivers who are struggling to find competitive quotes.

    The feedback you receive has also been seen as a valuable form of education to help improve your driving.

    Agree a curfew

    Some insurance companies may reduce your premium if you agree to limit your driving to certain hours of the day.

    Improve security

    Consider improving your vehicle’s security. Fit an alarm or immobiliser and – if you have alloy wheels – invest in locking wheel nuts.

    Park with care

    If you can, park your car in a safe spot overnight. Parking off the road can lower the chance of your car being vandalised or stolen. Read more in our article on overnight parking and car insurance.

    Increase your voluntary excess

    Choosing a higher voluntary excess when you take out your policy will reduce the price of your insurance.

    Remember, though, if you make a claim you may have to pay that excess before the garage will give you your car back.

    Get a Pass Plus certificate

    Pass Plus is a training scheme for new drivers. Bear in mind that you’ll need to pay for the course and you may not recoup the costs, but your driving should improve.

    Read our article on advanced driving courses for more information on Pass Plus and other courses that may prove beneficial.

    Other ways to cut costs

    The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount. Other things you can do are:

    Pay annually

    Pay for your insurance when you take out the policy rather than by monthly instalments in order to avoid interest charges.

    Consider your cover

    If you have a car that’s not worth much, consider third party fire and theft rather than comprehensive cover (the car may only be worth a bit more than the excess on your policy).

    Pay close attention to the options, though – third party products generally offer much lower levels of cover and are not necessarily cheaper.

    Our top tip for cheaper insurance


    • You won’t be surprised to hear this. Shop around and review prices using a comparison site such as Gocompare.com!

    Only pay for what you need

    Make sure you’re not paying for policy benefits you don’t really require. For example, legal assistance or courtesy car cover may not be essential to you.

    Shop around

    There will be a vast difference between the lowest and highest quotes from different insurers.

    Choose the cover you need and compare lots of premiums using an established comparison site such as Gocompare.com.

    Some insurers will be more competitive than others for different drivers, vehicles and regions so there’s no such thing as a ‘best buy’ car insurance policy for every driver.

  • By Sean Davies
  • [1] Figures from the Association of British Insurers


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