short term car insurance for 18 year olds

You’re 18, you have a driving licence and access to a car - you’ve got the world at your feet –but you’ve also got some of the most expensive  motor insurance  premiums holding you back. Statistically speaking, young drivers are among those most likely to be involved in an accident and therefore make a claim on their insurance. Car insurance companies set higher premiums for younger drivers to offset the increased risk of having to pay out. You could actually be a very safe driver, but you’ve probably not got a lot of proof of that. Even if you passed your test pretty soon after turning 17, you’ll still only have a year’s worth of no claims bonus, at best. But you’re not necessarily doomed to pay sky-high prices for cover, as there are things you can do to help bring costs down.

The amount you pay for car insurance is based on how likely it is you’ll make a claim for damage or theft. Insurance companies have a lot of data on car insurance claims and the people who make them. They use this information to assess how likely it is you’ll make a claim. The data they use concerns things like your age, driving experience, location and occupation.

As you get older, earn your no claims bonuses and get more experience on the roads, you’ll start to see your motor insurance premiums fall. In the meantime, however, there are things you can do to reduce your premiums. It used to be that young women paid less for cover than young men, as once again statistics show men are more likely to be involved in an accident. However, the European Court of Justice’s (ECJ) Gender Directive means that insurers can no longer discriminate on the grounds of gender. For more money saving ideas, visit our  young driver car insurance  page.
The lowest level of cover you must legally have before taking a vehicle on the road is third party cover. This type of cover only protects you against damage to other people and their property. It might be the cheapest of the three options, but if you have third party only cover and you’re involved in an accident, you’ll have to pay for repairs to your own vehicle out of your own pocket. Next is third party, fire and theft cover, which also protects you against fire damage and theft, but not against damage to your vehicle caused by a road traffic collision.
Of course you can opt for a lower level of cover to save money, but it could prove a false economy if you’re involved in an accident and end up with a huge repair bill. With any policy there are also the optional extras such as a courtesy car, breakdown cover and legal expenses cover, which will inflate your premiums. You can always forego these extras to keep your costs down, but think carefully about whether or not you’ll need some of them. If you feel unfairly persecuted by the cost of car insurance for 18 year old drivers, you might want to consider telematics car insurance . A small device is fitted to your vehicle which, using satellite technology, measures your speed, braking, acceleration and mileage – giving the insurer a comprehensive and accurate impression of how you drive. If you are a good driver and don’t travel very far, it could result in cheaper car insurance for 18 year old drivers. If you’re 18, you may be off to university soon, and only want to use your car when you’re back at home. In that case, temporary car insurance for 18 year olds may be the answer. Adding an older or more experienced driver to the policy as a named driver can help to lower your premium as, in theory, having another driver on the policy reduces the time you’ll spend behind the wheel. Adding an older or more experienced driver to the policy as a named driver can help to lower your premium You should never have an older or more experienced driver ‘front’ the policy for you by posing as the main driver if you are the real main driver of the vehicle. This is known as fronting, is illegal, and if you’re found out you could face prosecution for driving without insurance. As young drivers are penalised for having relatively little experience on the roads, you could always take an advanced driving course to show insurers you have a bit more experience behind the wheel. The Driving Standards Agency’s Pass Plus course can help to bring your costs down by up to 35% with some insurers.
For example, keeping your car in a locked garage overnight is more secure than having it parked on the street, and is reflected in cheaper premiums. Similarly, installing insurer-approved security equipment such as steering wheel locks and immobilisers should bring down the cost of your insurance. And finally, driving safely and without making a claim will earn you a no claims bonus at renewal time, as doing so demonstrates to insurers you are a good driver. If you search for car insurance through Gocompare.
for students if, for example, you're borrowing somebody else's car for a weekend to take your belongings to halls at the start of a new term. Premiums from £1.82/day. Discounts available on 2nd & subsequent policies.
COMP & TPFT cover options. Short term policy exclusively available to Learner Drivers – 7 days to 24 weeks, terms and conditions apply. Compare cheap student car insurance from multiple brands to get the right deal. Get peace of mind with comprehensive cover from 1 to 28 days cheapest way to get car insurance for new drivers. Discover how to get insured while you learn to drive, and how to get the right insurance before you pass your test.

short term car insurance for young drivers

How short-term car insurance works. Insure 4 a Day. Why would this be useful? If you wanted to come back and look up your quotes, or buy anything else from us, you'd find all your details still here, so you wouldn't have to answer all the questions again - a bit of a result. * Free insurance available in selected postcodes car insurance skoda fabia.

Unsafe driving could lead to a premium increase, but 9 out of 10 Marmalade drivers have never had that problem!. is authorised and regulated by the Financial Conduct Authority as a trading name of Dot Zinc Limited (FCA reference: 415689). Our address is: The Castle, Cecily Hill, Cirencester, Gloucestershire, GL7 2EF. We are classed as a credit broker for consumer credit, not a lender.

Find out how to survive the worst the weather can throw at you. Cover for cars up to group 28 with a current market value up to £25000 . Read our guide to driving in Europe and find out all the information you need, including country specific advice. Find out more ». 26 per cent of road accidents involve at least one young car driver aged 17 to 24.