Policies with young drivers in mind
Sterling’s policies are designed with newly-qualified drivers in mind whether you need fully comprehensive car insurance, third party, fire and theft or third party only.
If you’ll be driving your own car or a vehicle owned by a family member, consider taking out a young driver policy after you’ve passed your test.
It means the policy will be in your name, and you start building a No Claims Discount as soon as you’re at the wheel.
We know it can be tricky to find affordable insurance quotes as young drivers sit in a higher risk insurance group. So we try to help by finding you a price that doesn’t hold back on cover.
Call us today to find the policy that will suit your needs, car insurance quotes at a price to suit your budget.
The benefits of getting a policy with Sterling
- Prices start from £955 a year
- Includes cover for up to £1,500 of cosmetic car modifications
- Legal protection up to £100,000 included
- Breakdown cover, keycare, misfuelling, windscreen (optional extras)
- Monthly payments are possible
- Claims hotline open 24/7
Prices start from £955 per year
Sterling compares quotes from various insurance companies so you get the very best deal. Phone one of our experts who will find a quote that works for you and your needs. Let us do all the work for you.
Cover for cosmetic car modifications
We understand young drivers may want to modify their cars. So our young driver policies can include cover for cosmetic car modifications of up to £1,500. We also cover vehicle modifications on a like-for-like basis.
Up to £100,000 of legal cover included on every policy
Wide range of optional extras to choose from
Our policies are designed so they can be adapted to your needs. So whether you need cover for breakdowns, camping gear, keycare or misfuelling, let us know and we can help.
Monthly and annual payment plans available
Insurance companies consider the young driver category to be a higher risk group. As these insurance premiums are likely to be more expensive, Sterling can set up a monthly payment plan to help newly-qualified drivers get on the road.
Claims hotline is open 24/7
Sterling’s claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we will be here for your call.
Frequently asked questions
How can I get cheaper car insurance for young drivers?
There are a number of ways you can save money on your young driver insurance. This includes:
- Completing extra driving qualifications: courses like PassPlus and RoSPA can help reduce your insurance premiums when passed. Not only will this give you more experience behind the wheel with a supervisor, but it also tells us that you really value your safety while driving.
- Choose a car in a low insurance group: in general, using a car or other vehicle that’s found in insurance groups on the lower end of the scale will help reduce premiums.
- Increase your excess: if you’re willing to fork out more money in the event you need to make a claim, increasing your excess can help reduce your insurance costs. You must always ensure that you’ll be able to pay this off in the event that you need to make a claim, though.
- Drive safely: whilst your first year driving might be an expensive one, driving safely and responsibly will help reduce your premiums over the coming years. You might be surprised by how much NCB will reduce the cost of insurance.
- Consider telematics insurance: if you’re a safe driver, black box insurance can help reduce your premiums significantly – sometimes by up to 60%!
- Kit your car out with security features: Thatcham-approved security features like a tracker will help in the event you need to make a claim. A dashcam can also be useful should you need to back up your claim.
- Keep your car in the garage: this will help reduce the likelihood that your car is stolen, which can help reduce premiums.
- Drive fewer miles: we have limited mileage policies that can help you save on your insurance.
What kind of cover can I get?
There are three types of insurance:
- Fully comprehensive: this is the highest level of coverage but can sometimes be the cheapest. It covers you and your vehicle, as well as third parties, their vehicles and their property.
- Third party, fire and theft: this covers damage to other people, their cars and their property, as well as your vehicle in the event it gets stolen or damaged by fire.
- Third party only: this will only cover damage to other people, their car, or their property in the event you need to make a claim. This cover is the minimum level of coverage you must get.
What’s the average cost of car insurance for new drivers?
Car insurance for new drivers between the age of 17 and 20 costs £1,800 on average. Whilst this decreases after 21 years of age, you’re likely to still face a policy costing over £1,000. That’s why it’s so important to call around.
When does car insurance get cheaper for young drivers?
With a clean record, you’ll find that your insurance quote will get cheaper each year. There is generally a fairly significant reduction in cost once you turn 20 and for every year following. When you turn 25, there is another big reduction in your quote.
What if I drive a 4×4 or classic car?
Even if you drive a vehicle a little out of the ordinary, we can help. As a specialist insurance provider, we’re usually able to cover young drivers where others cannot, even if they’re driving a vehicle that’s a little different than the usual. In fact, we enjoy helping you secure affordable insurance where other providers cannot!
What’s the best way to insure a teenage driver?
This depends on their circumstances. If the teen has purchased a new vehicle and will be the sole driver, they’ll need to take out their own insurance policy on the car. On the other hand, if they’ll be using their parent’s car infrequently, they could potentially be added to the parent’s policy as a named driver.
If the young driver is going to use a parent’s car more than the parent though, the insurance company need to know this as it is important that the policy is correct. Some insurers will not allow a young driver to be the main driver if the policy is in a parent’s name.
Can I put a young driver on my insurance?
Yes, you can potentially add them as a named driver. Watch out though; whilst putting them on your insurance as a named driver can help save money on insurance, if they will in fact be the main driver, you will technically be committing an illegal offence called “fronting”.
How do I get a young driver insurance quote from Sterling?
Getting a quote couldn’t be any easier.
- Call Sterling on 0344 3819990
- Use the online call back service
