Car Insurance

One of the main problems new and, more particularly, young drivers face once they have passed their test is getting reasonably priced car insurance.  Its never going to be cheap, because whilst young drivers under the age of 25 only make up 10% of all drivers, there's no getting away from the fact that they are more prone to accidents in their early driving lives. The following statistics make sobering reading:

  • 1 in 3 young male drivers will write off a car in their first year of driving. Young women are half as likely to do so.
  • 1 in 4 fatal accidents involve 17 to 25 year old young drivers
  • 1 in 4 of the convictions for causing death by dangerous driving are for drivers under 20, even though this age group represents just 3% of all drivers.
  • 1 in 4 of drivers under 21 who have an accident have it because they lose control of their car.

We have therefore tried to find some more ‘enlightened’ insurance companies and have listed a few below.  Please note, however, that these companies are not necessarily recommended by Horizon but the information is provided to help young people looking for car insurance










Take out ikube, specialist learner driver insurance for provisional licence holders, and you'll get:

  • Provisional Insurance
  • no increase in premium once you've passed your test
  • FREE cover for named drivers*
  • discounted premiums for safer driving

Once you've passed, ikube young drivers insurance has a solution to high premiums by incentivising young drivers for not driving between the hours during which they are statistically more at risk, and by encouraging them to take more training, such as Pass Plus. 

  • ikube young driver’s car insurance is specifically designed with young drivers in mind.
  • You can start earning your own No Claim Bonus / No Claim Discount – which in turn will continue to save you more money year on year (assuming you are not involved in a fault accident).
  • All ikube ask in return is that the insured car is not driven between the hours of 11pm and 5am.

Click on the links above for more details

Provisional Marmalade’s learner driver insurance is car insurance specifically designed for learner drivers and  gives the student driver a chance to hone their driving skills with a friend or family member.

On average a learner driver will need 45 hours of driving lessons with a professional instructor and the Driving Standards Agency recommends further private practice of at least 20 hours. Private practice is invaluable to learner drivers who are new to driving and new to the rules of the road. However, many are hesitant to let a learner driver practise in a car belonging to a family member or friend because of the huge costs of adding a learner driver to their personal car insurance policy and the risk of the car owner losing their own no claims bonus.

Taking out learner driver car insurance means that a learner driver can have many hours of driving practice at a low cost per day. The learner driver gets to practice with someone they know and feel relaxed with and they are safe in the knowledge that should they have an accident, the owner’s car insurance will not be affected and the owner’s No Claim Bonus will remain intact.

With a Collingwood Learner Driver Insurance policy you can insure any car, group 15 or less and under £20,000 in value, when you need it, from as short as a week.

Drive your parents, grandparents, friends or relatives car without any risk to their insurance. Just take out a policy for each vehicle when you need it.

Visit our dedicated learner driver site for more details:
If you've found the cost of your motor insurance is forcing you off the road, talk to Only Young Drivers, offering car inasurance for young people, including comprehensive car insurance cover backed by the uK's leading insurance companies. Providing careful young drivers with affordable car insurance is what we're all about.  Using a unique, over-the-phone risk assessment application, we'll give you a motor insurance quote on your own merits. So if you're a genuinely careful and responsible young driver, with a track record to prove it,  Only Young Drivers will help reduce the cost of your car insurance. What's more our policies are provided by leading insurers to give you the reassurance that you're covered by companies you can trust.

More coming soon.....