First Time Drivers Insurance

Posted on March 1, 2022

Once you have passed your driving test, you will be ready to get out on the road, and whether you’ve found your first car or not, it’s time to think about getting car insurance for your first car. Doing your research and shopping around is essential when you are starting out. Understanding different types of cover and the features that are included in your policy will help you choose the best option for you.

What is a first-time driver?

A first-time driver is a new driver who has recently passed their driving test. Usually, these would be young drivers between 17-24, which is statistically one of the most expensive age groups to insure. First-time drivers can also consist of drivers who started driving later in their 20’s or 30’s. No matter what age a first-time driver is, they will be looking for their first car insurance quote on their own car and as the main driver on the policy.

Do first-time drivers need car insurance?

If you’re a first-time driver or a driver for years, you are required by law to have car insurance. Driving without insurance is punishable by a fine and penalty points, and you may also face court for prosecution which may result in jail time.

Can named driver experience affect my policy?

KennCo may offer first-time drivers discounts when taking out a policy in their own name for the first time. If you have been a named driver on a parent or someone else’s policy and are claims free, you may get a discount on your car insurance policy. KennCo takes previous driving experience into account so be sure to include this when filling out an online quote or if doing over the phone, tell an agent.

What can we offer first-time drivers?

We understand how hard it is to get insurance in your own name for the first time. We try to help our customers relieve some of that financial burden with competitive rates for young drivers. Flexible payment options are available with a monthly payment option so you can budget for your insurance premium rather than pay a lump sum upfront.

What type of insurance do I need as a first-time driver?

There are two types of cover that we offer our customers.

Comprehensive Car Insurance 

Comprehensive car insurance cover means that if you are involved in a car accident, we will cover the cost of repairing your car and, if necessary, the cost of repairing any damage or injury to third parties, if you are at fault. Read more.

 Third Party Fire & Theft Car Insurance

Third party fire and theft insurance means that if your car is damaged due to a fire or as a result of theft, you’ll be covered. It also covers any damage or injury to third parties due to an accident where you are at fault. Damage to your own car is not covered by this type of insurance. Read more.

How can I get cheaper car insurance as a first-time driver? 

There are numerous ways that drivers can reduce their car insurance premium as a first-time driver. They include the following:

Limit Your Mileage: Cutting down the amount you drive will save you money. You’re less likely to have an accident when you’re driving on the roads less. 

Pay Annually: For some drivers paying monthly may be convenient. But, paying a lump sum upfront works out cheaper than paying monthly. Interest is factored into monthly direct debit payments, leading to a higher amount over the year. 

Buy a Smaller Car: Buying a car with a smaller engine is cheaper as they are safer to drive and are less likely to be either in an accident or robbed.

Keep Your Car Safe: Parking your car in a safe location away from thieves makes it less likely to be vandalised.

Pay a Higher Excess: If you decide to pay a higher excess fee, it can reduce your insurance premium. You will pay more if your car is involved in an accident. For example, if your policy has an excess of €250 and you have an accident, you will need to pay the first €250 of the cost of the claim on your policy. 

Add a Named Driver: Adding a more experienced driver to your policy tells insurers that it won’t just be you driving the car. You are more likely to drive safely with an experienced driver under the policy. Adding a spouse or parent who has driving experience will reduce your premium.

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