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What is Young Driver Insurance and why do you need it?
In the UK, car insurance is a legal requirement. For young sports professionals aged 17–21, maintaining valid cover is a professional necessity to ensure you can travel to training and fixtures without the risk of legal penalties or licence suspension.
- Legal compliance: Driving without proper insurance is illegal; our scheme ensures you meet all requirements to avoid fines and potential licence loss.
- Financial security: Insurance safeguards you against significant financial losses from accidents or theft, covering repairs and legal liabilities.
- Protection for your vehicle: Whether it is your first car or a newer model, insurance protects your asset against damage from accidents, vandalism, or natural disasters.
- Personal protection: Some policies can include limited personal accident cover, providing financial support in the event of injuries resulting from a road traffic accident.
What type of Car Insurance do you need?
There are three fundamental levels of cover available to any driver, including young sports professionals to help manage the risks of inexperienced driving:
- Comprehensive insurance: The highest level of protection, covering accidents, theft, fire, and damage to other vehicles, property, or your own car.
- Third-party, fire, and theft insurance: Covers damage to others, as well as loss or damage to your vehicle resulting from fire or theft.
- Third-party only insurance: The minimum legal requirement in the UK, covering damage to others but providing no cover for your own vehicle.
Why Get a Young Driver Car Insurance for Sports Professionals?
As an inexperienced driver, you face unique risks. Standard insurers often fail to recognise the specific insurance requirements of professional athletes, particularly where travel to training and fixtures forms part of your occupation. This can result in policies being arranged with incorrect or insufficient cover for this demographic, which is why partnering with a specialist provider is crucial.
Tailored cover for young athletes: Our scheme is specifically designed for inexperienced drivers aged 17–21, pursuing a career in sport.
No restrictions: We provide the flexibility you need with no curfews or mileage limits.
Provisional to Full Licence support: If we insure you on a provisional licence, the premium loading is limited to 10% when you pass, provided you have a good driving record.
What factors affect your Car Insurance Price?
The cost of your premium is determined by a unique combination of factors. Understanding these allows you to make choices that can lower your costs:
1. Factors About The Driver
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Age and experience: While premiums are typically higher for those aged 17–21, building a clean record early leads to lower costs as your career progresses.
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Driving and claims history: Previous ‘at-fault’ claims or convictions significantly impact prices; safe driving and building a no-claims bonus are the most effective ways to secure discounts.
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Your professional profile: Your specific sport, the level at which you compete, and your public profile are taken into account to provide a fair, professional-specific rate.
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Location: Premiums reflect the risk of accidents or vehicle crime in your specific area.
2. Factors About Your Vehicle
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Type of vehicle: Standard models are generally the most cost-effective to insure for young drivers, whereas high-performance or modified cars attract higher premiums due to repair costs.
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Security features: Insurance-approved security features, such as immobilisers or tracking devices, help reduce premiums by lowering the risk of theft.
3. Insurance Policy Choices
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Voluntary Excess: Choosing a higher voluntary excess can lower your premium, provided you can afford the amount in the event of a claim.
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Annual mileage: While we have no strict limits, higher mileage statistically increases risk, which can influence your quote.
Optional Upgrades and Add-ons
To enhance your cover during the early stages of your career, you can consider these optional extras:
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Breakdown cover: Provides assistance on the road, essential for long journeys to away fixtures.
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Legal expenses cover: Covers the cost of legal representation following an accident or dispute.
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Vehicle Replacement: Keeps you mobile for training and matches with a temporary replacement vehicle while yours is being repaired.
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Excess Protection: Allows you to claim back the cost of your excess in the event of a fault claim.
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Young Driver Scheme
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Our Reviews
Find out what our clients say about us. Our commitment to outstanding service and thorough cover has led to an array of positive reviews from sports professionals across the UK. Dive into their experiences to understand what makes us stand out.
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