19 year old with a hot hatch? Ouch!

Young driver insurance is insurance aimed at young car owners and individuals buying insurance for the first time. Typically insurers class drivers under the age of 21 as young drivers or under 25 in the case of higher rated vehicles.

This can be a costly time for new drivers - statistics show that new drivers are more likely to have an accident duting their first two years of driving due to lack of driving experience.

Most main stream insurers can accomodate young drivers on fairly standard vehicles (with the exception of some that do not insure drivers under age 19) but there are those insurers that have special schemes for young drivers and their rates can be much more attractive than those available generally. Additionally there are some schemes aimed at young drivers with high performance cars or ` hot hatch ` cars.

It is worth looking at each Insurers` policy benefits - there are some schemes around that give enhanced no claims bonus/introductory discount offerings or 12 months cover for the price of ten.

Some parents will look at the option of insuring their off-spring to drive their car; to `get them on the road` and some Insurers will consider this. Parents doing this should be aware that their much deserved no claims bonus will be affected/lost if their son/daughter has an accident in their car. Some would say that it is better to get them on the road in their own car and earning their own no claims bonus as soon as possible.

It is worth young drivers that have recently passed their test considering taking the `pass plus` as some insurers do offer additional discount to drivers that have this - and it can make all the difference to the cost of insurance. See The Driving Standards Agency or Directgov for more information.