Car Insurance for Learner Drivers

By combining quality driving lessons with private practice it is proven that this increases the learner driver’s chances of passing their driving test first time. That is why learner driver insurance is such a valuable resource for those who are looking to do their driving test.

Learner driver insurance is a specialist car insurance designed to allow those people learning to drive a chance to practice what they’ve learnt in their driving lessons, with an accompanying driver (usually a friend or family member). It acts as a separate top up policy to the car owner’s main car insurance policy, meaning there is no effect to car owner’s no-claims bonus in the event of an accident!

InsureLearnerDriver  provide comprehensive temporary insurance for learner drivers aged between 17 – 40. The car used for practice can either be borrowed or even owned by the learner driver. With no curfews imposed, meaning the learner is free to practice whenever, wherever they want.
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Get a quote and buy online.

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How much typically is CAR insurance in London, UK for a new driver and how can I save money on my car insurance?

According to the information provided in the search results, car insurance for new drivers in London, UK can be quite expensive, but there are several ways to potentially save money on your premiums.

Cost of Insurance for New Drivers in south London:

• Car insurance premiums for new/young drivers aged 17-20 in the UK average around £1,800 per year.
• Specifically for London, the data shows that the average annual premium for an 18-year-old new driver in London is £1,414.
• This makes London one of the more expensive cities in the UK for new driver insurance, ranking 3rd highest out of the 10 major cities analysed in.

Ways to Save Money on New Driver Insurance in South London:

1. Consider a telematics/black box insurance policy
Data shows these usage-based policies can lead to average savings of over £140 per year for 17-19 year olds in the UK by monitoring and rewarding safe driving habits.

2. Choose a smaller, less powerful vehicle
Insuring a smaller, lower-risk vehicle in a cheaper insurance group can significantly reduce premiums for new drivers.

3. Add a more experienced named driver to the policy
This can help reduce rates by offsetting some of the risk for the new driver.

4. Increase your voluntary excess amount
Agreeing to pay a higher excess in the event of a claim can lower your annual premiums.

5. Pay premiums annually upfront if possible
Many insurers offer discounts for paying the full annual amount instead of monthly installments.

6. Shop around and use comparison sites
Premiums can vary significantly between providers, so compare quotes from multiple insurers.

7. Consider taking a driving course like Pass Plus
Some insurers may offer discounts if you complete an accredited driving course for new drivers. Such as Pass Plus or an advanced driving course if you drive for work. Check with your employer or local council if their are any schemes for you.

By utilising tactics like telematics policies, choosing a lower-risk vehicle, increasing excess, and shopping around, new drivers in London can potentially reduce the high insurance costs associated with being an inexperienced driver in that region.

What are other factors that can increase car insurance premiums in London, UK

According to the information provided in the search results, some additional factors that can increase car insurance premiums for drivers in London, UK include:

• Location within London - Insurance providers look at local statistics like accident rates, crime rates, and number of claims made in specific areas of London. Living or driving in areas with higher rates of these factors can result in higher car insurance premiums.
• Type of vehicle - Driving a newer, more expensive, high-powered vehicle will generally lead to higher car insurance costs when compared to an older, smaller car. Vehicle modifications can also increase premiums unless they are proven to prevent damage or desirability to thieves. Also some car models are specifically targetted by car thieves. See our list below
• Annual mileage - The more miles you drive per year, the higher your chances of being in an accident. Insurers will factor in your estimated annual mileage when calculating your insurancecover and rates.
• Claims history - Having made previous claims, even if not at-fault claims, can significantly increase your insurance premium costs. A claims-free insurance record can helps reduce your car insurance.
• Employment and Occupation - Certain occupations like hospital consultants or car salespeople, which involve irregular hours or lots of driving, are seen as higher risk by car insurers and thus can face higher insurance premiums.
• Parking location - Where you park your vehicle, such as on-street versus secure private parking, can impact insurance rates due to differing risk of theft and or damage.
• Driving experience - Younger, newly qualified drivers under 25 face much higher premiums due to their inexperience and statistically higher accident rates. Try adding a new driver to an existing drivers insurance drivers policy to reduce your car insurance premiums.
• Vehicle security features - Having up-to-date vehicle security systems like alarms, gps tracker and immobilisers can help reduce premiums by lowering the risk of theft.

So in addition to common factors like age and driving record, insurers also closely analyse location-specific risks, vehicle details, parking situations, occupations and annual mileage when setting insurance premiums for drivers in London areas.

What are the most common car models targetted by thieves in London, UK?

If you want to reduce your car insurance premiums go for a car model that is not targetted by criminals and thieves. Some of the most common car models targeted by thieves in London and the UK are:

1. Ford Fiesta
The Ford Fiesta is cited as the car model most targeted by thieves in the UK over the last 12 months (October 2022 - September 2023), with over 6,000 Fiestas stolen during this period. As the most popular and commonly owned car in the UK, the Fiesta tops the list of models most attractive to car thieves. With the Ford Fiesta ST-Line and ST-Line Vignale being the most desirable amongst these models.

2. Land Rover models
Land Rover as a brand emerges as highly vulnerable to vehicle theft in the UK. The data shows that of all UK-registered Land Rovers, a staggering 924 per 100,000 were reported stolen, making them almost three times more likely to be targeted than the next highest brand. Specific Land Rover models filling 6 of the top 10 most stolen cars include the hugher end models such as Range Rover Sport, Range Rover Vogue, and others.

3. Ford Focus 
The Ford Focus is the second most stolen car model in the UK according to the government data analyzed, with over 2,200 units stolen between October 2022 and September 2023. As the second most commonly owned car in the UK, the Focus is an attractive target. Also Ford Focus Titanium and ST-Line are also very desirable among thieves.

4. Volkswagen Golf
Rounding out the top 3 most stolen models is the Volkswagen Golf, the fourth most owned car in the country, with just over 2,100 units reported stolen in the same 12-month period. Aditionally higher spec'd models such as the Golf GTI are more commonly targetted

5. Mercedes-Benz C-Class and S-Class
Luxury brands like Mercedes-Benz are also prominent on lists of most stolen models, with the C-Class and S-Class Mercedes models among the most commonly stolen according to data sources.

While results don't explicitly break down theft rates by specific areas of London, the prevalence of these mainstream and luxury vehicle models as top targets for thieves indicates they are likely among the most stolen cars in the London region as well as across the UK. It is therefore likely to assume that car insurers will increase car insurance vehicles for these models of cars.