Inexperience Excess - An amount in addition to the compulsory excess and any voluntary excess that you have accepted with regards to age or driving experience. As a driver under the age of 25 years old there will be inexperience excess applicable to comprehensive cover. A temporary document of insurance issued whilst the full policy documents are being prepared or whilst information is outstanding car insurance eec license. There are three levels of insurance cover available: The minimum legal requirement is third party cover, which only covers damage to other vehicles and property, and not any damage to your car; third party, fire and theft also covers fire damage and theft; comprehensive cover includes all of this as well as paying out for damage to your own car in the event of a claim. It will make a difference with some Insurers and no difference with others, try a few comparison sites or pop into a local broker (Not Swintons) and ask them for a quote as they will know which companies offer cheap prices for eec licences (If possible try a broker in an area with a high Irish population eg Kilburn in North London or similar as they will deal with people in your position all day long).