Car Insurance – First Time Drivers NI

First time car insurance in Northern Ireland can be very expensive compared to the rest of the UK. Unfortunately, this is due to the fact that first time drivers are most likely to be involved in a road traffic accident. There is a 1 in 6 chance of first time drivers aged 17 being involved in a collision. However, there are steps that can be taken by young drivers to lower the cost of first time car insurance in Northern Ireland.

Find the Right Car

Getting the best car insurance quote begins with the vehicle you are trying to insure. This means you should try to find a car which has a low insurance group number. There are 50 car insurance groups that have been set by the Group Rating Panel. Some of the factors that are considered are: repair costs, value, performance, and security. Another tip for first time drivers is to avoid cars which have modifications as it is likely this will increase premiums significantly.

Pay Per Year

Although it may seem tempting to pay for your car insurance on a monthly basis, we recommend you consider paying in a yearly lump sum. If this is something you can afford to do, it is a great way of avoiding added monthly interest and saving money on your first time car insurance.

Increase Your Excess

Your excess is the agreed amount of money which you are accountable for paying in the event of a claim. The higher the voluntary excess, the lower the price will be. However, you must make sure your access is an amount that you will be able to afford as you will have to pay it upfront in the case of a claim.

Make Use of a Black Box

Insurance doesn’t have to be one size fits all, with a black box first time car insurance can be more flexible. First time drivers may want to use a black box to save money on car insurance. A black box is a small box which is installed within your car. The technology tracks and saves information on how your car is being driven. It can measure speed, breaking, acceleration, and can also record what time of day you drive. This allows your insurance provider to adjust the cost as they see appropriate. If you are confident that you are a safe driver, this may be the best choice for you.

Add an Experienced Older Driver

Having an older driver who is experienced on your policy is another way to reduce the cost of your first time car insurance. However, make sure that the policy is in your name if you are the main driver. Being dishonest about how much you use the vehicle and adding yourself as a named driver is referred to as ‘fronting’ and is illegal.

Shop Around

As with all insurance, you should take the time to shop around. Be proactive and avoid settling with the same insurance provider as your parents. Use comparison sites to help narrow down the best options for first time car insurance and get in touch with the insurance companies. It is also a good idea to talk to friends who are also first time drivers about who they are insured with.

If you would like more information on first time car insurance in Northern Ireland or would like a quote, give us a call on 028 9027 8779. Or feel free to contact us via our website on