Young driver insurance NI

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Young Driver Car Insurance NI 

In Northern Ireland as elsewhere, young drivers can find it difficult to find young driver insurance NI, having just passed their test at age 17. Because of this, many teenagers are added to their parent's policy until they are older. Before taking that step, use the quote system to get multiple underage car insurance quotes in minutes. Sift through the 40 plus individualised quotes from a panel of specialist insurance brokers, and you may find a policy that works out to your advantage. Competitive insurance rates do exists and by comparing multiple insurance brokers should help you in finding them.

Start earning No Claims Bonus after passing your Driving Test

If you take out your own young driver policy after passing your NI driving test rather than being added to your parents and provided you do not make any claims, you can start building up a history of no claims which will lead to cheaper quotes at renewal time and onwards.

young driver car insurance ni

Young driver insurance NI or anywhere can be a costly item to pay for. In Northern Ireland, the average premiums that you pay annually for such cove if you’re under 25 years can be in excess of GBP1,000. Therefore, it pays to shop around and compare multiple brokers and their underlying policy terms to find a deal that is affordable whilst providing adequate cover. Remember that the minimum of third party cover is mandatory if you intend to own and drive your car on any road, regardless of your age.

Young driver insurance NI or anywhere can be a costly item to pay for. In Northern Ireland, the average premiums that you pay annually for such cove if you’re under 25 years can be in excess of GBP1,000. Therefore, it pays to shop around and compare multiple brokers and their underlying policy terms to find a deal that is affordable whilst providing adequate cover. Remember that the minimum of third party cover is mandatory if you intend to own and drive your car on any road, regardless of your age.

The cover options for drivers under 21 are the same regardless of age. The base package and the legal minimum is third party. Next up the level is third party fire and theft, which as the name suggests covers both third parties and damage caused by fire or theft.

Avoid Fronting to get cheaper insurance

Fronting is illegal and can void any insurance cover you think you may have. Fronting is when a more experienced driver takes out an insurance policy and adds a higher risk driver to the policy as a named driver, when the higher risk driver will actually be the main driver. 

A common example of fronting is when a parent takes an insurance policy in their name for a son or daughter who is starting University and are finding it difficult to get affordable cover. The parent then adds the student to the car policy and is a form of fraud referred to as fronting. In some cases, the experienced driver may not be aware that this a fraudulent, illegal action. So I have added this section as a word of warning to anyone considering this approach to getting cheaper insurance for young drivers.

Car insurance for young female drivers in Northern Ireland

Comparative car insurance quotes for young female drivers in NI are available from QuoteSearcher's panel of specialist insurance broker

Choose a Car that is Cheap to Insure

The cars listed in the table below are best suited to young drivers that wish to lower the cost of insurance. Expect to pay between £950- £1,100 to get cover for the base models. If you buy a sportier go faster model, then you will pay substantially more to get cover. Please note these figures are only indicative, actual costs will depend on factors that include your age, post code and driving history

Cheapses Cars to Insure For Young DriversInsurance Cost
Ford Fiesta£950- £1,100
Vauxhall Corsa£950- £1,100
Nissan Micra £950- £1,100
Renault Clio £950- £1,100
Kia Picanto£950- £1,100
Renault Zoe£950- £1,100
VW Polo£950- £1,100

Minimise risk always

The premiums that you pay depends on how much of a risk you are to the insurer. It’s worth stating that the premiums you pay depend also on your chosen policy provider as well as the level of cover. Actuaries calculate risk and use the figures to come up with premiums based on risk. If you can prove to the insurer that you’re different from the traditional high-risk under-25 driver, your chances of paying less in premiums should increase.

Finally, avoid modifying your car, especially to make it go faster. The only changes that you should consider are ones that will bring down the costs of the annual or monthly premium on your young driver insurance NI policy. Start with adding additional security and safety features, such as tracking devices or immobilisers. First, check that they are approved by the northern Irish insurance industry.

Classic car insurance for young Drivers

Two classics standout from the crowd as being fun, affordable and easy to keep on the road thanks to the abundance of spare parts and basic design. These are the original mini and the Morris Minor. If you choose one of these as your first classic cat the cost of classic car insurance for young drivers, will be reasonable, especially if you use  a specialist insurance provider.

Black Box can lower the costs of first time driver insurance, Northern Ireland

Adding a telemetry device that as the name suggest records your driving characteristics and may provide future discounts. This is only true if the data shows that your driving behaviour makes you a lower risk of being involved in an accident compared to other drivers under 21. In that event your data shows you to be a higher risk, expect to pay more for young driver insurance NI

Compare young driver insurance NI

Step one in comparing the costs of young driver car insurance NI is getting multiple quotes. This step normally involves getting multiple quotes from comparative websites. We with the help of Compare NI can provide you with multiple quotes for young drivers in Northern Ireland or drivers that have just passed their driving test.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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