New Drivers Car Insurance
Our team at 1st Choice Insurance believes that everyone deserves great value on their insurance policies, which is why we offer great value for money with incredible savings. Call us today on 0800 078 7003 – 0300 600 0603 or complete our Get a Quote Form.
At 1st Choice Insurance, our team will use their specialist knowledge of the insurance market to ensure you get the cover you need at the right price. We can advise on the best level and type of cover.
First time car insurance isn’t just for teens – maybe you’ve not learned to drive until your 30’s, 40’s or older. At 1st Choice Insurance, we’ll use our extensive experience and knowledge to find you the right cover a competitive price.
Statistically, there is a greater chance of having an accident within the first two years of passing your driving test. This likelihood, upon risk assessment, if the main cause of higher premiums for first time drivers.
However, even if you fall comfortably into the ‘mature’ category by the time you’re allowed on the road alone, your relative lack of experience is likely to dictate that your first car insurance policy is going to be expensive. Once you have a years No Claims Bonus ‘under your belt’ you will start to see a reduction in your premium costs, and this will continue to reduce with the more years ‘No Claims’ you are entitled to.
Buying car insurance for the first time can be daunting, but 1st Choice Insurance is on hand to help you understand what type of cover is available; seeing what features are available; deciding whether you need any extras; and searching the market in order to find the best combination of price and benefits.
Different Cover Options
We recommend the two main levels of cover: third-party fire and theft cover, which protects you against claims made by other people following an accident, including your liability for injury to others as well as protecting your vehicle against fire damage and theft.
Secondly, you have comprehensive cover. This includes all the elements of protection as per the third party fire and theft cover, as well as accidental damage cover for your own car. Additional benefits (for an extra fee) can include cover for a courtesy car, breakdown cover, personal possessions and even medical expenses.
It is very important that you read and understand the small print of policies as cover can vary greatly between companies and policy types – don’t just take it for granted that you think you know what is covered. If you are unsure, you can call our experienced team at 1st Choice Insurance, to ask for clarification on any points.
For example, some policies may provide you with a courtesy car should yours be off the road for any period of time being repaired after an accident. However, it’s worth checking the type of replacement vehicle as a small hatchback with limited seat and boot space may not be suitable for transporting a large family around!
There are lots of additional features that can be added to your policy, from legal protection to breakdown cover. You should closely consider whether you need these ‘extras’ as you may find that you already have these benefits provided through other sources (e.g. via your credit card or other insurance policies).
Get a New Drivers Car Insurance Quote
Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no obligation quotation or use our Get a Quote Form.