Teenage car insurance is among the most expensive insurance in the country. This is because statistically one in five drivers are likely to be involved in a crash within their first year driving. Although not everybody’s first year of driving is when they’re a teenager it is the case that teenagers are more likely to have an accident and make a claim. In order to offset the increased likelihood of claims, insurance companies raise the premiums of young drivers.
What is the EU Gender Directive and how does it impact teenage car insurance?
Statistically young male drivers have been shown to be involved in more accidents and claims than their female counterparts. While this hasn’t changed, there is new European Union legislation which prevents insurance providers from discrimination based on gender.
What other legislation could affect my insurance?
With the cost of motoring increasing over the past few years, a large part of that due to rising fuel costs and insurance premiums, some drivers have left their cars in their driveways uninsured. However this is no longer legal as a piece of legislation called the ‘Continuous Insurance Enforcement Act’ has been passed. The result of which means that all cars have to either be insured or declared “off the road” with a Statutory off Road Notice.
If you are found to be keeping a vehicle without insurance or a SORN declaration you could be liable to face a fine that ranges from a fixed penalty notice (£100) to a fine of up to £1000.
Despite the increased legislation there are still drivers who take the risk of not insuring. This drives up the prices of insurance for the rest of the motoring public. The Motor Insurers Bureau records show that uninsured drivers cost insurers about £500 million per year. So although many drivers are adapting their motoring habits they are still finding their premiums rising, partly due to the extra £30 added by uninsured drivers.
What does this mean for the teenage driver?
This makes it all the more important for the teenage driver to shop around for their insurance. While you may be tempted to take shortcuts in getting insurance, you have to be aware that any misrepresentation could lead to your insurance being invalid.
What can I legally do to lower my premium?
There are a few factor which can help lower your teenage premium.

  1. Adding an older, more experienced driver to your policy can help bring down the premium, however you should never name them as the main driver if, in fact, you are. This is a fraud called fronting and can invalidate the policy or even result in a charge of insurance fraud.
  2. An advanced driving course certification demonstrates to insurers that you are a responsible driver with safety in mind.
  3. A car in a lower insurance group helps lower your premium.
  4. Securing your car with an alarm, parking in a locked garage at night and fitting a tracking device and other ways of preventing theft can also help get cheaper car insurance.