Insuring you first car

Insuring you first car


If you’ve recently passed your driving test you’ll be keen to get yourself on the road as soon as possible. Before you can get behind the wheel you’ll need insurance. Insurance can be expensive, especially on your first car, so here are a few ways to keep insurance costs to a minimum.


Choosing a car

When shopping for your first car it’s easy to be tempted by that little bit of luxury. But the more powerful and/or expensive a car is, the higher the cost of a claim.


Car repairs can be expensive so you’ll want a car you can rely on. Check reviews online and don’t skimp on safety features - such as airbags and ABS (anti-lock braking system). Although considered more reliable new cars can be expensive. If you come across a dependable second-hand model this could reduce your insurance.


You can find some suggestions for cars under £2,000 here - including some details on the Ford Fiesta, the most popular first car in the UK.


Choosing your first policy

It may be tempting to go with a basic level of insurance such Third Party or Third Party, Fire and Theft. Third Party, Fire and Theft will cover your car in the event of fire or theft but not if you have an accident that’s your fault.


A comprehensive car insurance policy will cover all damage done to you and your car as well as any third party damage. Think carefully about the most appropriate policy. Having the wrong level of cover could cost you more should you have an accident that’s your fault.


The safer the better

Proving you’re a safe driver could help reduce your insurance costs. Here’s a few tips to help drive down the price of your car insurance:

  • Pass Plus

Pass Plus is a short practical training course which can be completed in as few as 6 hours. Passing this short course proves that you’re a more competent driver and is accepted by a number of insurers in calculating your insurance.

  • Institute of Advance Motorists

Endorsed by the Driving Standards Agency this short course aims to improve your standard of driving and in turn could save you money on your car insurance.

  • Aviva Drive app

Apps such as Aviva Drive could help you save money on future car insurance. The app will automatically log your journeys and give you a safety rating out of 10 after 200 miles of driving. Your score can improve the cost of your car insurance.

Avoid modifications

Before modifying your car find out how it could affect your car insurance. Some modifications could increase the cost of your insurance. If you have enhanced the performance of your car it might be seen to be more dangerous on the road.

The manufacturer cannot guarantee the safety of the vehicle, after the design or mechanics have been changed so your car insurance is often affected.

Additional drivers

If you’re planning on adding a named driver to your insurance policy make sure you know their track record – the price of your insurance could increase if they are seen as a risk. However, if you add an older driver with a clean driving history this could lower your insurance costs.

Remember it’s illegal to be a named driver on the car if you’re the main driver. If you’re caught out you’ll be treated as uninsured - which can have serious legal and financial consequences for all involved.


Follow these steps and you’ll be on your way to securing a good value insurance policy for your first car. You’ll be safer on the roads and could reduce the risk of having to claim in the future. 


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Safer drivers scoring 7.1 or more save an average of £170, a saving that can be achieved by 52% of them.

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