Insurance for a young person is always going to be expensive. They are the most likely to crash!
Some bits of advice to take into account, your insurance premium is made up based on risks. The first risk is age. You can't do anything about that.
The second risk is your job. If you have a stable job, such as teaching, or civil servant, you are a lower risk, if you work in retail or sales then its higher. You have to be honest about what you do, but think about your job title. Most insurance companies ask your job, reply with a sensible job description and your in. E.G. When I was at university, I always said I work in a frozen food warehouse as my job or occupation, as it was my holiday job, That reduced my premium by about 30% over saying I'm a student. Nothing wrong in that at all.
Third is the car. For your first 2 to 3 years drive something dull. It is hard, but it is useful. I had a 1.1 litre Fiat Uno for 2 years to help lower premiums when I passed my test at 18. Do not what ever you do Kev the car your building NCB in. Leave it as it is. It needs to be as dull as possible, if you buy a car with a tiny engine, thin tyres etc etc. you learn more about road holding, car control and how to drive well than anything else. A friend of mine had a 0.9 litre Citroen AX as a first car. He loathed it as a first car, but he still has it 13 years later because he really enjoys the challenge of driving it fast. You have to be able to show some skill in one, not just assume it'll do what is asked of it!
Fourth is your relationship status. If you are with a partner you are a lower risk as you are more likely to want to live, and not drive like a kn@b. This is a question on the list you are asked, the premium goes down further if that partner is a named on the policy.
Fifth is personal risk. Speeding fines, tickets etc. Avois these at all costs. For me at 31 a speeding ticket makes no difference to my policy, but to a 17 year old they will crucify you.
Finally, on the fronting ideas mentioned before, it isn't illegal, as long as it id honest. Many parents help children with car costs. The owner/keeper is the person who is responsible for the car, the upkeep, tax and insurance. Many young drivers have these costs covered by a parent, so register the car in their name and you can reduce your costs. That parent must however drive the car. This is a good thing. People who have driven for a while are better at finding new noises, and changes in driving characteristics of a car, which are early signs of component failure. New driver generally don't notice until something breaks!
Hope this is of some use.
Andy
PS- My first year premium in 1995 was £606 for a 1.1 litre Uno, this year it is £298 for a Stilo Abarth - It does get better!
Some bits of advice to take into account, your insurance premium is made up based on risks. The first risk is age. You can't do anything about that.
The second risk is your job. If you have a stable job, such as teaching, or civil servant, you are a lower risk, if you work in retail or sales then its higher. You have to be honest about what you do, but think about your job title. Most insurance companies ask your job, reply with a sensible job description and your in. E.G. When I was at university, I always said I work in a frozen food warehouse as my job or occupation, as it was my holiday job, That reduced my premium by about 30% over saying I'm a student. Nothing wrong in that at all.
Third is the car. For your first 2 to 3 years drive something dull. It is hard, but it is useful. I had a 1.1 litre Fiat Uno for 2 years to help lower premiums when I passed my test at 18. Do not what ever you do Kev the car your building NCB in. Leave it as it is. It needs to be as dull as possible, if you buy a car with a tiny engine, thin tyres etc etc. you learn more about road holding, car control and how to drive well than anything else. A friend of mine had a 0.9 litre Citroen AX as a first car. He loathed it as a first car, but he still has it 13 years later because he really enjoys the challenge of driving it fast. You have to be able to show some skill in one, not just assume it'll do what is asked of it!
Fourth is your relationship status. If you are with a partner you are a lower risk as you are more likely to want to live, and not drive like a kn@b. This is a question on the list you are asked, the premium goes down further if that partner is a named on the policy.
Fifth is personal risk. Speeding fines, tickets etc. Avois these at all costs. For me at 31 a speeding ticket makes no difference to my policy, but to a 17 year old they will crucify you.
Finally, on the fronting ideas mentioned before, it isn't illegal, as long as it id honest. Many parents help children with car costs. The owner/keeper is the person who is responsible for the car, the upkeep, tax and insurance. Many young drivers have these costs covered by a parent, so register the car in their name and you can reduce your costs. That parent must however drive the car. This is a good thing. People who have driven for a while are better at finding new noises, and changes in driving characteristics of a car, which are early signs of component failure. New driver generally don't notice until something breaks!
Hope this is of some use.
Andy
PS- My first year premium in 1995 was £606 for a 1.1 litre Uno, this year it is £298 for a Stilo Abarth - It does get better!
Last edited:
