Passing your driving test is a right of passage for many young people across the UK. As soon as you’ve got that certificate in your hand, you will be eagerly waiting to hit the road alone. Before you can get behind the wheel of your very first car, you will need to get yourself the proper car insurance policy in place. However, finding cheap car insurance for new drivers can be a real struggle.
Many insurance companies will quote extremely high premiums for young drivers. Especially for those who have just recently passed their driving test. Consequently, these expensive prices can be enough to put some new drivers off getting their first car.
It is a legal requirement for every driver in the UK to have some form of car insurance in place. This protects yourself, and other drivers should something go wrong while out on the road. Finding cheap car insurance for new drivers can often seem like an impossible task. However, there are some options out there to help keep the costs down.
One increasingly popular option for cheap car insurance for new drivers is Dash Cam Insurance. This could save you up to 30% on your insurance premiums. Another option is Black Box Insurance. This will allow your insurance company to monitor your driving habits and price your premiums accordingly.
What Is Dash Cam Insurance?
A dashboard camera, or Dash Cam, is a small camera device. It is fitted to your car and monitors the road ahead of you as you drive. A Dash Cam will continuously record the road and vehicles around you when you are driving. Furthermore, this footage can be invaluable should an incident occur. The recordings can reveal which driver was at fault in the event of an accident. As a result, it can help both drivers and insurance companies save a lot of money, time and stress.
It is becoming increasingly popular for car insurance companies to include a Dash Cam within their insurance policies and then reduce the premiums to reflect this. When you are looking for cheap car insurance for new drivers, Dash Cam Insurance is an excellent option to consider.
How Can A Dash Cam Help With Cheap Car Insurance For New Drivers?
Finding cheap car insurance for new drivers is often a struggle. This is because insurance companies will always have higher premiums for drivers who have just recently passed their test. New drivers and younger drivers have less experience at being on the road, and statistics have shown that younger drivers are more likely to be involved in an accident than older, more experienced drivers.
Car insurance companies will charge a higher premium to these drivers to cover the added risk, so if you can take some of that risk away, then the premiums will be reduced.
A driver with a Dash Cam is less risky to an insurance company than a driver without one, as there will be recorded footage of any accidents that do occur. This means that you can prove if an incident on the road was not your fault and will also make you more aware and accountable for your own driving.
Having a Dash Cam fitted in your vehicle will discourage inconsiderate driving, and a huge 40% of motorists say they would feel safer driving with a Dash Cam on board. When it comes to finding cheap car insurance for new drivers, choosing Dash Cam Insurance can reduce the premiums by up to 30%.
What is Black Box Insurance?
A Black Box, or telematics device, is a small box that is fitted into your vehicle by an insurance company to monitor your driving style. This small device will track your speed, distance, time of day or night that you usually drive, braking and cornering, and all the information collected can be accessed by an online portal. Consequently, this will build up a comprehensive profile of what you are like as a driver.
Generally speaking, the fewer miles you drive and the less night time driving you do, the safer driver you will be in the eyes of an insurance company. This is a really popular option for those looking for cheap car insurance for new drivers, as the premiums are often based on your own driving style as opposed to statistics of others your age.
How Can A Black Box Help With Cheap Car Insurance For New Drivers?
Just like with Dash Cam Insurance, Black Box Insurance will also reduce the risk for an insurance company covering you as a new driver. Your insurance company will be able to monitor your driving style and see how safe you are when out on the roads.
Some Black Box Insurance policies will also put restrictions in place to keep your premiums down. These restrictions might include a limit on the number of miles you can drive in one year, how long you can drive for without a break, and the times of day or night you can drive.
Having a Black Box fitted in your vehicle can reduce insurance premiums by around 25%, making it a great option if you are looking for cheap car insurance for new drivers.
How Else Can I Get Cheap Car Insurance For New Drivers?
Dash Cams and Black Boxes are both excellent ways of reducing your insurance premiums as a young or new driver, but there are also a few other things you can do to help keep the costs down:
- Advanced driving courses: Even though you have passed your driving test, you could reduce your premiums by passing an advanced driving course such as PassPlus.
- Pay annually: Instead of paying for your car insurance every month, it is often cheaper to pay for an entire year in advance if you can afford to do so.
- Include named drivers: You can add an experienced driver onto your car insurance policy as a named driver. This often helps to lower your premiums and also means they can drive your car.
- Reduce your mileage: For many insurance policies, the more you drive, the higher your premiums will be. If you can reduce your annual mileage at all, then it could make your insurance cheaper.
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