Car insurance - Tips & Advice - Car Insurance for young drivers

At Direct Line we offer Car Insurance that’s suitable for a range of drivers – including young people who may have just passed their test.

Some car insurers come down hard on drivers who have just passed their test – and often these drivers are young people embracing the opportunity to drive from the age of 17 years. Unfortunately this group of people cannot often afford the rates they are offered by insurers who take age into account and see younger, newer drivers as a higher risk.

While Direct Line still must take the increased risk factor into account, we do try and give all our customers good value rates. We have three levels of cover to choose from – Comprehensive car insurance, Third Party Fire and Theft and Third Party Only – all coming in at varying prices. In these ways we hope we can offer young people a Car Insurance policy and premium that suits their needs and is one that they can afford.

Like all our customers, young people can choose from Comprehensive, Third Party Fire and Theft and Third Party Only Cover. You can find out more about our types of car insurance cover on this website or by downloading our Car Insurance policy documents.

There are some unique terms and conditions for young drivers. For instance if you are under 25 years old we would be unwilling to offer cover for a modified vehicle. This is based on our previous risk experience.

However, we do offer some discounts that apply to young drivers who have just passed their test. If you take a Pass Plus course – designed to improve your driving even further in these early stages – then you could take advantage of our Pass Plus Discount. This is available to new drivers purchasing Direct Line Car Insurance within the first year of passing their test. Between age 17 and 20 years, the discount on Direct Line Car Insurance is 20%; between 21 and 24 years, the discount is 30%; for drivers aged 25 years and over, the discount rises to 40%.

All Direct Line Car Insurance customers also benefit from our No Claims Discount. This means that every year you don’t claim we give you a No Claims Discount, up to a maximum of five years. This means a discount of 30% after one year, and rises to 65% – 70% if you’re over 50 – after five years.

So if you’re a young driver, you can get the car insurance that you need at a price you can afford. Find out how quick and easy it can be by getting a quote online or call us if you would like a quote for Third Party Only car insurance.