Kompare

Young driver insurance: Seventeen to twenty-five, specialist cover.

Young driver quotes from brokers who arrange cover for new licences every day, including black-box and named-driver options. Start with the reg.

Start with your reg

What young driver insurance can cover

A first policy is where the brokers earn their keep: telematics, named drivers, and insurers that actually quote for under-25s.

How it works

  1. Start with the reg. We look up the car from the plate, so there's less to type.
  2. We match you with specialists. Your details go to UK brokers who arrange this kind of cover every day.
  3. They call you with quotes. Compare what comes back, ask questions, and only go ahead if it's right.

Why does insurance cost more for young drivers?

Insurers price on how likely a claim is. New drivers have less experience on the road, and insurers treat that as a higher risk, especially in the first few years after passing. As you build experience and a clean record, insurers have more to go on, and that usually shows when you renew.

Age is only one factor. The car, where it is kept, your mileage, your job and any claims or convictions all count too. A broker who quotes for young drivers every day knows which insurers are happy to take them on.

What is black-box (telematics) insurance?

A telematics policy uses a small box fitted to the car, a plug-in device or a phone app to record how, when and where the car is driven. Things like speed, braking, cornering and time of day can be measured. The insurer uses that information to price the policy, and some adjust it at renewal.

What is fronting, and why does it matter?

Fronting is when a parent or older driver says they are the main driver of a car that a young driver mainly uses, to get a lower price. It is insurance fraud. If the insurer finds out, it can refuse a claim or cancel the policy, and both drivers can face serious consequences.

Being a genuine named driver on someone else's policy is fine. The test is who really drives the car most. Always name the person who does as the main driver.

What happens if I get points as a new driver?

Under the New Drivers Act, if you get six or more penalty points within two years of passing your test, your licence is revoked. You would have to apply for a new provisional licence and pass both the theory and practical tests again. Points also have to be declared to insurers.

How can young drivers bring down the cost of cover?

Start with the car and the honest details. A smaller engine and lower insurance group usually help, as do secure overnight parking and an accurate mileage. Telematics, adding an experienced named driver and choosing a sensible voluntary excess are worth asking about. A broker can quote a few combinations side by side.

Young driver insurance questions

What happens after I submit?

Your details go to specialist brokers who deal with young driver insurance every day. One of them will call you to run through your options and quotes.

Is there any obligation?

None. You can take a quote, ask for changes, or walk away. Nothing is bought until you say so.

Who are the brokers?

UK-based insurance brokers authorised and regulated by the Financial Conduct Authority. Kompare Limited (FCA reference 794660) is an appointed representative of Rainbow Connected Limited (FRN 749881).

How long does it take?

The form takes about two minutes. Brokers usually call back during working hours.

What if I don't know the reg?

Tap "Don't know your reg?" under the plate and tell us the make, model and year instead.

Will a black box be forced on me?

No. Telematics is an option some insurers offer; the broker will tell you what each quote includes.

Can I be a named driver on my parents' policy?

Yes, as long as they are genuinely the main driver of the car. If you drive it most, you should be the main driver on the policy.

Does a black box stop me driving at night?

Some telematics policies have a curfew and some don't. The broker will tell you the conditions on each quote before you choose.

Will modifying my car affect my insurance?

Yes. Any change from the factory spec, including wheels, exhausts and remaps, must be declared. Some insurers won't cover modified cars for young drivers, so ask before you make changes.

Can I build my own no-claims bonus as a named driver?

Usually not. A no-claims bonus is normally earned by the policyholder. Some insurers recognise named-driver experience, so tell the broker if you have it.

Can I get cover with points on my licence?

Yes, specialist brokers quote for young drivers with points. Declare them accurately so the quote you get is one that will stand.

Written and checked by the Kompare team · Last updated October 2026

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