Young driver car insurance

£10,000 to get on road is steep price to pay

In the near future, if an 18-year-old male adds up the cost of his first car, driving lessons, Government proposed extended tests and young driver car insurance he will probably be spending over £10,000.

The shocking forecast comes after Government recommendations for longer periods of driving lessons and extended testing have been analysed in terms of cost.

The Association of British Insurers would like to see new drivers have at least one year of training before taking their test. This could see young drivers forking out over £3,500 for lessons.

Males aged between 17 and 20 are ten times more likely to have an accident than a 27 to 30-year-old. This is reflected in greatly inflated insurance premiums of almost £3,000 for an 18-year-old male driving a 1.2 litre Ford Fiesta. The average UK car insurance premium is £628.

At present new drivers can take a voluntary Pass Plus course at a cost of £171. It should qualify the driver for a 20% reduction in their insurance premium. However, only 25% of insurers recognise it because, at present, the statistics to show that Pass Plus training reduces accident figures are negligible.

New proposals for testing learner drivers include

  • Completion of a road achievements workbook that will lead to a Test Readiness Certificate.
  • An extended one-hour theory test.
  • A 30-minute hazard perception test.
  • Practical test will remain similar, but will be followed by a general driving examination where the examiner will observe the candidate's driving without specifying instructions.


All this extra assessment will add to the learning price tag and will not necessarily cut young driver car insurance premiums with any great speed.
An insurance spokesperson says, "While an incentive to take these courses could be reduced premiums we would need to see evidence of reduced accident rates."
It has been suggested that a realistic way to save money is to wait a few years before taking to the road. A 22-year-old male with a 1.2 litre Ford Fiesta would expect to pay around £1,400 for his car insurance.

With these figures in mind, could maintaining the high cost of young driver motoring - adding up to ten grand (£10,000) in this article - be used as a tool to keep young people off the roads?

A risky strategy, surely, as high costs may entice more young people to risk driving without a licence and car insurance.

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