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New Driver Car Insurance

We think new drivers deserve to be given a chance, not priced off the road

Passing your test is cause for celebration, and we’ll do our best to make sure the cost of insurance doesn’t rain on your parade.

For many new drivers under 24, insurance can cost more than the car itself – but we know that there are careful young drivers too. If you’re one of them, we could save you money.

How you can save money

Many new drivers are in their teens and early 20s, this age group gets hit the hardest by insurance costs. Research by the road safety charity Brake shows that young drivers can take some of the biggest risks, like speeding, overtaking and drug driving. This can lead to accidents, and more claims.

We don’t want to punish good drivers. Our Smartbox technology available with our Young Driver policy monitors how well you drive your car, and with safer driving comes discounts.

We call it ‘Pay how you drive’ and we think it’s the fairest way to work out your insurance.

Fit a Smartbox

A Smartbox (available with our Young Driver policy) is a small device that we fit to your car. It works a bit like satnav, tracking your driving behaviour and feeding the data back to us.

We don’t charge for fitting the device although we will charge if you miss a fitting appointment or if you change car without telling us.

Watch our videos to get a better idea of what it’s like: this one is about when our engineer comes to fit your Smartbox, and in this one some of our customers talk about their experiences.

We’re not really watching you drive, we just want to find out:

  • your average speeds on different types of road
  • how fast and hard you accelerate or brake
  • what time of day you drive
  • how fast you take corners.

So, for example, if you brake and accelerate gently, rarely drive between 11pm and 6am, don’t speed and take corners safely, then we’ll know you’re a careful driver.

You can look at your online dashboard to see how you’re doing and whether you’re on track for a discount.

How much you could save

Just by being willing to use a Smartbox tells us you’re a more safety conscious driver, Bear in mind that if you’re not driving carefully, the cost of your insurance could rise, although never by up to 20% over the year.

To give you an idea of how other drivers get on, 85% of our customers received a discount on their first year premium.*

How the discounts work

Every 90 days we look at your driving data  to see if you’re due a discount for the following three months. You’ll be able to see how you’re progressing on your online dashboard.

After a whole year without any claims you’ll get a No Claim Discount too, which can make your insurance even cheaper.

If you have any questions or want to apply

We’ve answered some frequently asked questions to help you.

If you have a question that we haven’t answered, or you want to apply for cover, please call our UK call centre on 0333 005 0233^. We’re open 8am-8pm Monday to Friday, and 9am-2pm on Saturdays.

If you’re a new driver but over 25

Get added to someone’s policy as a named driver if you are not the main user of the vehicle.

You’ll be able to start building a No Claim Discount with us, so when you take out your own Co-op policy you’ll get a better price.

Keep your car off the road

If you have your own car then there are still ways to keep the price down – for example, keeping the car off the road at night, storing it in a garage or on a driveway if you have one, and driving fewer miles over the year.

Add an experienced driver to your policy

If a more experienced driver also uses your car you could add them to your policy as an additional driver, but not as the main one.

Choose a higher excess to keep your premiums down

You can also choose to pay a higher excess, but please be sure you won’t struggle to pay it if you have to make a claim.

Taking Pass Plus could also save you money

After you’ve passed your driving test, you can choose to do a Pass Plus course, which can give you experience of things like driving on motorways and in different weather conditions.

We like safer motorists. If you have a Pass Plus certificate or get one within three months of your policy starting with us, you might be able to get a discount. Call us for more details on 03457 46 46 46^.

Fronting is fraud

Please don’t be tempted to get someone else to insure your car and add you as a named driver if it’s actually you that’s the main driver.

This is known as fronting, and it’s a form of insurance fraud which would make your policy worthless.

That could mean you’d be uninsured, and if you’re then involved in an accident it could get very expensive. Not the best start to your driving life.

^Call charges

*Based on all customers March 2011-October 2015.

Exclusions and limitations apply, please refer to policy documents for full details.

Co‑op Car Insurance is normally available to customers aged 17 to 75 years only.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

Applicants for insurance are subject to normal underwriting criteria.