Young driver insurance FAQs
The dashboard is your online view of how safe you are driving and whether you are on target for a safer driving discount. It also provides you with access to your policy documents, including your Certificate of Motor Insurance. It is also where we will send any driving alerts.
Ecoinsurance
Log in to the self-service centre to let us know about a change.
You can also:
- view and download your policy documents
- make a payment
- change a payment.
Young driver
If you have our young driver insurance, visit the driving dashboard page to:
- check your driving scores
- view your policy documents.
If you want to make a change to your policy, please call 0333 0050 235^.
Co-op Car Insurance
If you bought your Co-op Car Insurance through the Co-op Insurance website, or over the phone, you can make changes to your policy by calling 03457 46 46 46^.
Let us know you're changing your car. Get in touch on 0333 009 6702^.
Lines open:
8am-8pm Mon-Fri
9am-2pm Saturday
There's an additional charge if we need to fix a black box in your new car. See our fees and charges.
You can make a change by calling our enquiry line on 0333 009 6702^.
Please see our fees and charges for more information.
There are no mileage limits with our young driver insurance.
None of our policies, including our young driver insurance, have a curfew.
With young driver insurance, we can track your driving and give you an overall safer driving score. Drivers with good scores may get discounts based on:
- speed
- cornering
- braking and acceleration
- driving at dangerous times (11pm-5am).
Night-time driving is considered more dangerous because this is when the worst accidents happen. Driving a lot between 11pm - 5am may affect your safer driving score.
Yes, you can cancel your young driver insurance at any time. Administration fees apply, depending on when you decide to cancel. For full details, visit our fees and charges page.
Yes. Our young driver insurance is perfect for learner drivers who need insurance as they can track their performance using their online driving dashboard.
You can get a discount of up to 22.5% of your remaining premium if you score well on your safer driving score. This score is reviewed every 90 days and calculated based on the four safe driving parameters:
- your speed
- how you take corners
- how hard you brake and accelerate
- the time of day you drive.
Your policy will be invited for renewal 3-4 weeks prior to your renewal date. We'll use your driving scores to help us calculate your renewal premium.
Your young driver insurance quote was emailed to the address you used when you got your quote. This email contains a link so you can make changes to your quote or buy your policy.
Yes, there can be an additional three named drivers on the policy.
Yes, although our Young Driver Insurance is primarily aimed at drivers aged between 17 and 24, you can take out a policy if you're 25 or over we can insure drivers up to 75 yrs old.
Young driver insurance is only available within mainland Great Britain. Also, there are some postcodes in Scotland where it isn't available - these are: GY1 - GY9, JE1 - JE4, PA72 - PA78, KA27, TR21, TR25, ZE1 - ZE3, HS1 - HS9, IM1 - IM9,IV1 - IV28, IV30 - IV36, IV40 - IV49, IV51 - IV56, IV63, KW1 - KW3, KW5 - KW17,PA1 - PA7, PA10 - PA38, PA41 - PA49, PA60 - PA71.
In addition to the Standard Excess, a Young Driver Excess (dependent on age), Inexperienced Driver Excess (for drivers aged over 25 who have held a full licence for less than 12 months) and Voluntary Excess may apply. Visit our excesses page for full details.
Your young driver insurance documents are stored on your online dashboard. These can be downloaded or printed. If you want us to send you a hard copy of your young driver insurance document get in touch on 0333 009 6702^.
Wunelli Ltd is an independent company who we have appointed to:
- install the smartbox
- supply the data we use to check your driving performance.
For details about how Wunelli use the smartbox data visit their website.
No, the smartbox system can’t tell who is driving the car.
No, young driver insurance can start as soon as you want, however you must have the smartbox installed within 14 days of the start date of your policy. When you buy the policy you're able to book a date and time for the smartbox to be installed.
The smartbox is owned by CIS General Insurance Ltd.
Smartbox is available for most cars although some aren't compatible with the device. We'll let you know if your car isn’t compatible before you take out the policy.
Once a smartbox has been installed it will start to monitor the car immediately. Your reports will feed through to your online dashboard on a daily basis.
No, but breaking the speed limit could lead to your premium cost increasing or your policy being cancelled.
Yes, the smartbox measures how the vehicle is being driven and measures whoever drives the vehicle.
Learn more about how Co-op Young Driver Insurance handles your data.
There's no extra charge for installing the smartbox, as it's included in the price.
However if you change your car, a charge may apply to install a new smartbox in the new vehicle. Visit our fees and charges page for full details.
Your smartbox will be installed by one of our engineers at the time selected by you, unless we let you know otherwise.
You must upload the following documents through your online dashboard within 14 days of the policy start date:
- vehicle registration document (also known as the logbook or V5)
- DVLA driving licence information summary for all drivers
- proof of No Claim Discount
- proof of address for policyholder.
Once the smartbox is installed it will immediately start to measure your driving. You can then start to track how you're driving by logging into your online dashboard.
We take into account the safer driving discount you got at the end of the year when calculating your renewal premium.
We then continue to review your driving scores every 90 days as before from your renewal date.
Your price will be reviewed every 90 days. Your customer dashboard will tell you whether you're on course for a discount or an increase in price. The dashboard will give tips and advice on what to do if it's looking like you'll be getting an increase in premium.
The safer driver discount is a discount to your premium when you drive safely and drive during safer times of the day (5am - 11pm).
Yes. We might increase your Young Driver insurance premium if you continually demonstrate poor driving behaviour. You can see whether this will happen via your online dashboard.
We'll also send regular alerts to let you know if you're likely to see an increase in your premium. The maximum premium increase applicable is 20% of your annual premium.
If you've paid annually by credit/debit card, the additional charge will be taken from the credit/debit card you used when you bought the policy.
If you pay monthly by direct debit, we'll increase your future monthly payments. In both instances we'll inform you of the additional amount in your premium review every 90 days, and let you know when the extra premium will be taken.
If you've paid for young driver insurance annually by credit/debit card your discount will be credited back to your card or bank account. If you pay monthly we'll reduce your future monthly payments.
Once the smartbox has been installed, it needs to remain in the car for the life of the policy. If you want to have the box removed once the policy has ended we can do this for an additional charge.
The safer driving discount is calculated using the data supplied by the smartbox. We measure the following safe driving parameters:
- your speed
- how you take corners
- how hard you brake and accelerate
- the time of day you drive.
Young driver breakdown cover is provided by RAC.
Occasional instances of sudden braking shouldn't affect the premium as the safer driving score is calculated on driving patterns over 180 days not individual events. We understand there will be times when you have to brake suddenly or accelerate out of a sticky situation.
The UK left the EU on 31 January 2020 and an agreement with the EU has been reached which means that Green Cards will be required as proof of insurance when driving in the EU and EEA.
You will need to carry a Green Card when driving in the EU and EEA. Those who travel without one may be breaking the law and may not be allowed to drive in the country they are visiting.
Vehicles towing a trailer or caravan will also need a separate Green Card for the trailer or caravan.
- If you require a Green Card for your vehicle and caravan/trailer please contact us 21 days before you are travelling and we will arrange for one to be sent to you.
In addition to a Green Card, you will need to take your driving licence and V5C log book with you and display a GB sticker on your vehicle.
You may also need an International Driving Permit to drive in some EU/EEA countries.
For more information on driving abroad and any required documentation, please review the following websites: