Young Driver Car Insurance
We know that as a young or new driver, finding the right car insurance can be pretty expensive as most insurers charge high premiums due to your age or limited driving experience. We also know that you’re probably working to a tight budget and so keeping costs down without reducing the quality of cover is a challenge. That’s why we’ve worked hard to develop a young driver car insurance product specifically for you that won't break the bank!
Our policies can include the following features & benefits:
- Black box fitted to your vehicle
- No curfews
- Discounts for low mileage
- Buy the miles you need
- Regular driving feedback via online portal
- Cheaper insurance at renewal for good driving
- Instalments and Direct Debit payments available to 17 year olds
- Courtesy car policies available
- Theft cover available
- 24-hour windscreen and glass replacement
- 24/7 UK based claims service
- Flexible payment options
- Breakdown cover available
Black Box + Careful Driving = Cheaper Car Insurance
Through the use of a telematics black box which is fitted to your car, we can help you monitor your driving performance and develop your skills, whilst paying less for your insurance.
Unlike some other insurance providers, there are no curfews with our policies – we think it’s more important how you drive, rather than when you drive.
You can also set your policy to only pay for the miles you use, to help bring your premium down further – ask one of our team for more information.
We provide simple, regular feedback which you can access via your driver portal online or on your mobile phone.
By opting for a Think black box insurance policy, you’re showing us that you’re willing to prove you are a safe, responsible driver and will pay less for your insurance policy as a result.
Here’s some other questions and answers to help you decide:
Is there a curfew on my policy?
In short, no there isn’t. We think it is more important to focus on how you drive, not when you drive. We know that your social life or work may mean you need to drive at night, so we don’t penalise you for doing so. If you’re a safe driver, it doesn’t matter to us when you are on the road, leaving you free to come and go as you please.
Only pay for the miles you need!
You can limit the number of miles on your policy to reduce the amount you pay. If you end up driving more than you thought, don’t worry! You can top up your miles as you go!
You can check how many you have left on your policy via the online portal, and if you get close to your limit, you can simply adjust your driving accordingly or contact us and add more miles to your policy.
How does black box insurance work?
It’s pretty straight forward really…by having a Think black box fitted to your car we can track your vehicle's movements and monitor how you drive, including things like your acceleration, braking, cornering and speed, which is then used to determine your driving performance score.
How is the box fitted to your car?
We'll come to you in the first 7 days to install the black box out of sight in your car, but don't worry - you're still insured from day one.
The box fitting is carried out by an experienced engineer in the first 7 days of your policy, and can be done at your home or place of work. The box won’t change how your car performs or affect anything within your car – in fact you won’t even know it’s there!
What information does the black box collect?
- The time of day or night you drive
- The amount of driving you do
- The speed you drive at on different sorts of road
- How you brake / if you brake or accelerate sharply
- If you take breaks on long journeys
- How you drive around corners
- The total number of miles driven
- The total number of journeys you make
- The roads you drive on
- The location of the vehicle
What is the information used for?
We use this information to work out how safely you drive and calculate your driving score – which you can find out via your online driving performance portal. If you’re a safe driver you’ll score highly and be rewarded with cheaper insurance at renewal; if you drive badly, we’ll help you understand what you need to do to improve your driving performance and become a better driver. Continued poor driving though could incur penalties or even result in your policy being cancelled.
The information collected by the black box fitted to your car also helps us to:
- Find out how safely you drive
- Help you if you have an accident
- Manage your claim if you have an accident
- Help locate your car if it’s stolen
- Help calculate your renewal quote and reward you for driving safely
- Help reduce fraud, by detecting false claims
What happens if I’m involved in an accident?
Another great feature of the Think Black Box is the Accident Alert function. The black box can tell if the vehicle is involved in an accident, registering any large or sudden movements associated with a collision, and we will contact you as soon as possible to check you are ok and try to help you get back on the road again.
If you are involved in an accident, it is also sometimes difficult to determine exactly what happened and who’s to blame - the Think Black Box will help us do this by giving us accurate data about the:
- Time and place of the incident
- Force of impact
- Direction of travel
- Speed of the vehicle before and after the impact
This data will help ensure that you are not blamed for an accident that isn’t your fault, and helps reduce the stress caused following a claim.
Please remember: the Black Box will give us the information, however you must still notify us of any incident you are involved in.
What happens if my car is stolen?
The black box we fit to your car can work as a theft tracking device, so if your car is stolen, your car can be traced to its exact location with GPS car tracking. As soon as you realise it’s been stolen and you’ve reported it, we’ll work with the police on your behalf to locate your vehicle.
We also offer a University Students car insurance policy – Want to find out more?
We also offer non-black box car insurance policy specifically to university students, and if you think you might be interested click here to find out more.