New Driver Insurance

With FREE RAC connected breakdown cover if selected^

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Offer valid with purchase of RAC Black Box Insurance

New Driver Insurance

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?

If you have just passed your driving test you could end up paying more for your car insurance, as new drivers have less experience and are therefore more likely to have an accident than those who have been driving for longer.

Telematics insurance (also called ‘Black Box’) now provides new drivers with the means to prove to insurers that they are safe on the road, whatever age they learn to drive. If you can prove to your insurer that you’re a safer risk, they may be able to reduce your premium when you come to renew it.

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.

Motorway driving

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.

^ Terms and conditions:

  1. This offer applies to new annual RAC Black Box Car Insurance policies and is not available to customers renewing or amending an existing policy.
  2. RAC breakdown cover is attached to the car insurance policy and will end if the car insurance policy is cancelled or not renewed. Unless opted out, your RAC breakdown cover will automatically renew alongside your car insurance policy and will become chargeable using the payment details supplied when taking out the insurance.
  3. The breakdown offer will consist of a 12-month single Vehicle Based UK Roadside Membership for the same car as insured through RAC Black Box Car Insurance. Connected breakdown comes as standard on UK Roadside and all other levels of breakdown cover.
  4. To take out this offer the customer must select the correct breakdown option, at a cost of £0.00, during the purchase journey.
  5. This offer is not available to existing RAC Members.
  6. The offer cannot be transferred to any other policy and there is no cash equivalent available.
  7. We reserve the right to amend or withdraw this offer at any time.
  8. RAC Breakdown and connected breakdown services are provided by RAC Motoring Services, registered No 01424399. Standard terms and conditions for the breakdown cover will apply and can be found here. Terms & Conditions for RAC Black Box and connected services can be found here.
RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

© 2018 RAC Motoring Services. All rights reserved.