Car Insurance for New Drivers: A First-Timer's Guide
Updated 16 October 2026 · 6 min read
Just passed? Here's what new drivers need to know about getting their first car insurance policy without overpaying.
Key takeaways
- New drivers of any age pay more until they build history.
- Six points within two years of passing means losing your licence.
- Learner driver policies can start building experience early.
This guide is part of our full guide to car insurance for young and new drivers. You may also find these useful: learner driver insurance: a complete uk guide and black box insurance explained: is it worth it?.
What you need before you drive
You must have at least third party insurance, the car must be taxed and, if over three years old, have a valid MOT.
Watch your points
Under the New Drivers Act, getting six or more penalty points within two years of passing your test means your licence is revoked and you must retake your test.
Cutting first-year costs
Your best options:
- Pick a low insurance group car.
- Consider telematics cover.
- Limit mileage and avoid commuting declarations you don't need.
- Compare widely and check specialist new driver insurers.
Build history fast
Some insurers offer learner policies on a parent's car. While they rarely give a full no claims bonus, a few offer discounts when you move to your own policy.
This guide is general information, not financial advice.