New Driver Insurance, also known as Black Box Insurance, uses GPS technology to track the way you drive, to encourage safer driving and to help you lower your premiums. Inexperienced drivers between the ages of 17 and 24 are much more likely to be involved in an accident and make a claim, so their premiums are higher. New Driver Car Insurance is designed for inexperienced drivers of any age who have passed their driving test and are keen to prove they are safe on the road to help them get a lower premium. The RAC ‘black box’ aims to level the premiums playing field, educate new drivers on best driving practises, and get new drivers a fairer insurance policy.
Cheap Car Insurance for New Drivers
Finding the cheapest car insurance for new drivers has now become much easier. Our policy can deliver cheaper insurance by being tailored to the way you drive, rather than being based solely on insurance statistics such as your age, car and location. Safe driving not only provides you with the opportunity to reduce your premiums when renewing your policy, savings can also be made through lower petrol, tyre wear and maintenance costs.
New Driver Insurance uses a matchbox size telematics device to collect data about the way you drive your car – analysing speed, acceleration and braking. Once we have received this data, securely over a wireless network, we then build a comprehensive picture of how you drive. Using this information we give you a Driver Score, which can be accessed online via your personalised RAC Black Box Car Insurance Portal, with savings for those with high scores.
Find your ‘Driver Score’ and the driving advice needed to improve your score through your personalised online RAC Insurance Portal or download our free app.
How much is Car Insurance for New Drivers?
Unfortunately if you have just passed your driving test you could end up paying more for your car insurance. Drivers aged 25 and under pay an average of £810 a year for their insurance, with 18 to 20-year-olds paying £972 a year, in stark contrast to the average UK private car driver premium of £367. Statistics show that 20% of drivers aged 17-24 will be involved in a crash within six months of passing their driving test, with the risk of a crash tripling for drivers carrying three passengers. But getting insurance for new drivers is not just about finding the right price for under-25s, it’s about finding the right price for new drivers of any age. However, due to their lack of experience of driving on motorways, at night and in challenging weather conditions, it means premiums are usually higher for those who have just passed their driving test.
RAC telematics now provides new drivers with the means to prove to insurers that they are safe on the road, whatever age they learn to drive.
Is First Time Driver Insurance just for under 25s?
Whereas some policies are designed solely for drivers under the age of 25 years, First Time Driver Insurance (also known as New Driver Insurance) is designed for drivers of all ages. Though some age groups are seen more high risk than others, Black Box Insurance gives newly qualified drivers the chance to lower their premium at renewal by taking age out of the equation – meaning new drivers are given a fairer policy.
New Driver Insurance Tips
Although first-time drivers statistically change the likelihood of being involved in an accident, we have a number of New Driver Insurance Tips, which can help to make you a safer driver and also help to lower your insurance premiums, when using Black Box Car Insurance.
Speed and acceleration
Set your speed to the road you are driving on. Rather than travelling everywhere at the speed limit, adjust your velocity to stay safe.
Never overtake if there is any doubt, or where you cannot see far enough ahead to be certain it is safe. For example, when you are approaching a corner or bend, a hump bridge or the brow of a hill.
When joining the motorway you should give priority to traffic already on the motorway and remain in the left-hand lane long enough to adjust to the speed of traffic before considering overtaking.
Adverse weather conditions
When driving in icy weather, keep well back from the car in front, as stopping distances can be ten times greater than on dry roads.
Find further information here on RAC Black Car Box Insurance or speak to one of our RAC advisers on 0330 159 1042 to get a quote.