This site uses cookies. By continuing to browse the site, you are agreeing to our cookie policy.

Young Driver Insurance

On average our customers get back £100 in their first year*

Earn discounts with Smartbox

Get a quoteRetrieve a quote

*Average customer discount given in year one Apr 2013 - Jul 2018. Maximum discount available is 22.5% off your premium; your actual discount is dependent on your driving score over the year.

Why choose us?

No night-time curfews 

There isn't a curfew with our Young Driver insurance, however if you drive a lot between 11pm and 6am you may find that your Safe Driving Discount is negatively affected; the worst accidents tend to happen at night.

Read more

Earn discounts by driving safely  

Our Smartbox technology is what makes our Young Driver Insurance different. Smartbox is the pay how you drive box that measures how safe you are driving and could help you save on your insurance.

Read more

Check your performance 

You can review your driving online 24/7 on your personalised dashboard.

Read more

Try our free smartphone app before you buy  

Download our Young Driver app and, depending on your driving score, you could get an initial discount of up to 20% on your Young Driver Insurance quote.

Find out how

Earn No Claim Discount 

You could get a No Claim Discount on your premium for each claim free year. Take a look at how to protect your No Claim Discount.

Read more

Optional Extras 

As well as great value cover as standard, you can buy optional extras to suit your needs.

Not for you?

Car Insurance from Co-op

If our Young Driver Insurance is not for you, we also offer standard Car Insurance. This includes a courtesy car while your car is being repaired by a Co-op Insurance approved repairer as a result of an insured incident.

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

Your premium may go up as well as down dependent on your driving score throughout the year - but never by more than 20% over the course of the year.

Co-op Young Driver Insurance is normally available to customers aged 17 to 75 years only. Applicants for insurance are subject to normal underwriting criteria.

Breakdown Cover is provided on behalf of Co-op Insurance by RAC Motoring Services; Registered in England and Wales under company number 01424399 and/or RAC Insurance Ltd; Registered in England and Wales under company number 02355834. Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services is authorised and regulated by the Financial Conduct Authority under register number 310208. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under register number 202737.

Motor Legal Expenses cover is underwritten by CIS General Insurance Limited, with the legal services provided by Co-op Legal Services, a trading name of Co-operative Legal Services Limited; registered in England and Wales under company number 05671209. Registered office: 1 Angel Square, Manchester M60 0AG. Co-op Legal Services is authorised and regulated by the Solicitors Regulation Authority under registration number 567391. Co-op Legal Services' professional rules are set out in the SRA Code of Conduct. The SRA Handbook, which includes the SRA Code of Conduct, is available online at