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Van insurance for young drivers

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Van insurance for young drivers- Under 25 and Under 21

The search for cheap truck insurance for young drivers can be elusive for most unless you are knowledgably on the subject. The reason is the view of a new driver by the insurance companies as high risk. Because of this elevated risk level, the premiums are higher unless you know how to counter that perspective.

While the age of a driver is at top of the list, it is not the only factor. All drivers under the age of 25 are categorized as young drivers and high risk. Also lumped into this group are new drivers who have just passed their driving test independent of their age.

Van insurance for young drivers

Why young and new drivers are considered high risk?

When anyone does something for the first time they will have no experience at it. Even drivers that have gone through a driving course will have little to no real experience on the roads in the UK. The elevated risk they are listed as are because of several factors.

  • Less experienced when they encounter an incident or hazard on the road and they hesitate to think of what to do instead of reacting.
  • Inexperienced drivers take more risks because they do not fully understand the level of risk associated with many maneuvers they make with their vehicle.
  • Statistically more accidents involve younger and inexperienced drivers than older and more experienced drivers in the UK.

How do I reduce my risk factor as a young or inexperienced driver?

To help lower the cost of truck insurance premiums, the young and inexperienced drivers must prove they are lower in risk than most others their age.

  • By having a dash cam installed a young driver has direct visual evidence they are a safe driver. This evidence can be crucial if the driver is involved in an accident that is not their fault.
  • A black box installed on a vehicle is another way to prove a young driver is a low risk. This device provides the insurance agency with proof of your driving style, speed at which you travel along with the actual time and mileage you are on the road.
  • Limiting the number of miles you will be operating the truck on an annual basis.
  • Limiting the hours you are driving. Statically there is a higher rate of accidents involving young drivers on Friday and Saturday nights.
  • Adding an immobilizer and or alarm to your vehicle making it more secure and reduce the chances of it being stolen.
  • Avoid modifications to the truck for both performance and appearance.
  • Pay your premium annually.
  • Add an experienced driver to the policy as a secondary driver. The best type of additional driver would be one who already has No Claims Bonus status with the insurance company.

For a young and inexperienced driver finding the right level of truck insurance coverage at a price you can afford can be a complicated and tricky task. To assist you we have many independent insurance brokers ready and willing to help you.

Start comparing van insurance for young drivers

Figure out your requirements do you need named driver only or any driver over 30 or any driver over 25. Select the quote button and enter some basic details and start receiving multiple quotes for young driver truck insurance UK   

Van insurance for young drivers

Protect your truck today. Compare quotes from multiple brokers.