Do P-platers need car insurance?

Do P-platers need car insurance?
Car Insurance
Do P-platers need car insurance?

Getting your P’s as a teenager is a rite of passage. It’s more independence, less time at home and more socializing. But we all know that P-platers can be a little reckless. In fact, studies show that P-platers are one of the most dangerous demographic on the road. They’re experimenting with their new-found freedom, susceptible to peer pressure and can sometimes make bad decisions. And with this new-found freedom comes plenty of insurance restrictions.

If your teen is going to be driving your car, you’ll have to list them as a driver on your policy. If you’re planning on splashing out and getting them their own car, you’ll have to take out a new policy altogether. So what do you need to know about P-platers and car insurance?

The cost

Unfortunately, car insurance for P-platers is considerably more expensive than insurance for a fully licensed driver, or even a senior. This is for a few reasons, including:

  • Lack of driving experience
  • Young P-platers are typically more reckless
  • Young P-platers underestimate risks so are more likely to participate in risky driving behaviors
  • More prevalent use of alcohol and drugs
  • More prevalent use of mobile phones while behind the wheel
  • Young P-platers are more susceptible to peer pressure

It’s also worth noting that P-plater premiums are impacted by the age of the P-plater. Drivers under the age of 25 typically have to pay significantly more than older drivers. However, these premiums should be reduced for each year that you age, so a 22-year-old should be paying less than an 18-year-old.

How to take out a policy
There are a few ways that you can take out a policy for your P-plater. For starters, if your P-Plater will be driving their own car that you’ve just bought for them, the car will need to be insured with a separate policy. You can find a policy online, or you can give your current insurer a call.

If your P-plater is planning on driving your car, you should add them as a new driver onto your existing policy. You may have to start paying extra, but it’s worth it if it means that you’ll be covered if your son or daughter gets into an accident.

How can you cut costs?

There are a few ways that you can ensure that you’re not paying too much for your car insurance. For starters, make sure you compare policies online to ensure you’re getting the best bang for your buck. This gives you an overarching view of the market and should give you an idea of what kind of cover you can get for different price points and with different providers.

You should also make use of multi-policy discounts, which many insurance brands offer. This is essentially a discount for taking out different types of insurance with one brand. So if you have home insurance as well as car insurance with Budget Direct, you could receive some money off.

Although insurance for P-platers may seem like a head wreck, it’s actually not as confusing as it seems. And if you’re not sure how you can get the best bang for your buck when ensuring your teenager, jump online and do some more research.

Richard Laycock is an insurance expert writing for


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