First Car Insurance

So, you’ve passed your driving test and you’re looking at insuring your first car - first up, congratulations are in order.

The age of the vehicle is taken into consideration, but it’s hard to say what’s cheapest to insure. While newer cars tend to have a higher value (which would cost an insurer more to replace), older cars often don’t have the safety and security features that modern vehicles do, meaning they may be more prone to accidents or theft. The size and power of the vehicle has an impact too with smaller, more economical cars with smaller engines likely being cheaper to insure. Then there are factors like which car insurance group the vehicle belongs to, its theft risk and Euro NCAP safety rating.

There are several personal factors relating to the driver that have an impact too. Your driving history is an obvious one – having points, penalties or driving offences on your licence is likely to increase your premium, for example. Where you live is another, as some areas are deemed to have a higher risk of theft or accidents, and your occupation.

Read more about insurance for first time drivers…

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