CarInsurance for
17-18-Year Olds

Breakdown cover helps if your car breaks down on the road. It includes roadside repairs, towing to a garage, and sometimes home pick-up or recovery if it can't be fixed immediately.

If your car is being repaired after an accident, courtesy car cover provides a temporary replacement so you can keep getting around. It provides you with a vehicle for a few days or weeks until yours is back.

Motor legal cover helps you deal with the legal side of accidents. It can cover legal fees, compensation claims, and expert advice if you need to resolve disputes after a crash.

Choosing the right car insurance could mean the difference between getting stranded after a breakdown and staying on the move.

Add a parent as a named driver to lower your perceived risk and cut premiums, but keep the arrangement honest. Listing a parent as the main driver when you use the car most is a type of insurance fraud called fronting.

Ask your parent to let insurers see their clean record, agree on who actually drives, and check policy terms before you sign. That way, you get cheaper cover without risking a voided policy or refused claims.

Yes, completing an advanced or Pass Plus course can help you pay less for your car insurance. Some insurers reward safer drivers with lower premiums, so it’s worth checking before you buy.

Even if savings aren’t instant, you’ll gain experience that helps you stay confident and keep costs down in the long run.

Yes, you definitely should. Once you pass your test, your policy needs an update because you’ll be driving alone, not as a learner. Forgetting to tell your insurer could leave you uninsured just when your first year of driving begins, and that’s the time you need proper cover the most.

It might feel easier to spread the cost of your car insurance with monthly payments, but it usually ends up costing more. Insurers often add interest or admin fees, so while paying bit by bit sounds convenient, it can quietly raise the total cost.

If you can, paying upfront is usually the cheaper route.

You can be added to your parents' policy as a named driver, and it can help you pay for car insurance at a lower rate. But there’s a catch: the main driver must be the person who actually uses the car the most.

In most cases, yes, a black box can help you save money on your car insurance. It tracks how you drive and rewards careful habits with lower premiums. Drive smoothly, avoid harsh braking or speeding, and you could see the cost drop each renewal.

Bear in mind that car insurance premiums vary widely across the UK. So, even with a black box, the savings will depend on where you live.

Yes, you can get temporary coverage at 17, but it depends on your situation. If you’re still learning, learner driver insurance lets you practise in a friend or family member’s car without affecting their policy.

Once you've passed, some insurers also offer temporary car insurance for 17-year-olds, which can be handy if you just need to borrow a car temporarily for a few days or weeks.

Yes, absolutely. Car insurance for a 17-year-old doesn't have to wait until you pass your test. With learner driver insurance, you can get behind the wheel on a provisional licence and start building real experience. It covers you while practising in your own car or someone else’s (with a qualified driver beside you, of course).