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New & Learner Drivers

Cheaper car insurance for young drivers

You’re a young driver, you've passed your test, and you can’t wait to buy your first car! But you need to get car insurance first - and how much is it going to cost?

At Top Marques Insurance we like to do things differently. There's no doubting the statistics that if you're aged between 17 and 24 you're in the highest risk bracket, but we believe that young drivers should be treated as individuals. And that means that careful drivers shouldn't be penalised for the dodgy driving of some of their contemporaries.

Our New Driver Insurance is a comprehensive, telematics insurance for young drivers learning to drive in their own car or once they have passed their test.

You can build up your own no claims bonus straight away- even better, there is no premium change once you pass our test.

The policy is free from restrictive curfews and negative night time driving penalties so young drivers can drive where and when they want.

We also give our lowest price from the outset so there is no mucking around when it comes to arranging the cover.

The latest telematics technology helps the drive develop safer driving skills, and lowering their premium by measuring their driving ABCs- Acceleration, Braking, Cornering and Speed.

Feedback is available online instantly on every journey through a web based portal which also features handy eLearning modules to help become even safer.

Key Policy Information:

  • Driver age We cover drivers between 17 and 24 years old
  • Vehicles covered Up to 9 years old and a maximum engine size of 1.4l, with a minimum Euro NCAP safety rating
  • Vehicle exclusions Cars modified outside of factory fitting
  • Type of Cover Fully comprehensive
  • Compulsory policy excesses Up to £350
  • Voluntary excess Up to £500
  • Windscreen excess Up to £100
  • Legal liability for death or injury to any other person, including passengers Included
  • Legal liability for damage to other people's property up to £20,000,000 Included
  • Damage to your vehicle Included
  • Windscreen repair/replacement Included

Personal accident benefits:

  • For the driver or their spouse for death or loss of limbs/sight up to age 69 Up to £5,000
  • Medical expenses Up to £200 per person, up to £200 per domestic pet (max 2) and £30 per day for up to 30 days stay in hospital if required
  • Personal belongings Up to £200
  • Foreign use Minimum cover throughout Europe and travel by land, sea or air to those countries

Here’s some other questions and answers to help you decide:

 

What is a No Claim Bonus?

It's when you get a reduction in your premium as a reward for having a claim-free record.

Because the policy provides comprehensive cover, am I insured to drive other vehicles?

No. Because we use the telematics device to monitor your driving, we'll only cover you for the car it's fitted in.

I would like to insure the car in my parent's name with me as a named driver, can I do this?

Afraid not. The policy needs the main driver to be aged between 17 and 24. So if you're added to the policy as a named driver but you're actually driving the car the majority of the time then this is what's called 'insurance fronting' which is a form of fraud.

Is there a time curfew?

No. Unlike some telematics offerings which offer black box insurance, you are covered to drive any time you like, day or night.

What is telematics?

Good question. It's actually a clever kind of information technology that deals with the transmission of computerised information over long distances.

Is there a mileage allowance on this policy?

No, the policy is based on the annual mileage declared by the policyholder.

What do I do if my car gets stolen?

Inform the police (obtaining a crime reference number) and your insurer at your first opportunity advising them whether your car is fitted with a GPS Device (i.e. black box) that may be able to locate the vehicle’s whereabouts. Please see our make a claim section for more information.

Will I be penalised if I drive badly?

If you drive unsafely you could end up with additional charges of £125 or even £250. Take a look at our Driver Caution and Additional Premium process for all the details.

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