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.
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.
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Unsafe driving could lead to a premium increase, but 9 out of 10 Marmalade drivers have never had that problem!. money.co.uk 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.