Your First Car Insurance Policy

 by Melanie May | 2 min read     April 12th, 2021


So, you are looking to take out your first car insurance policy. Congratulations! Being able to drive gives a wonderful sense of freedom and independence. We see plenty of fun-filled road trips in your future!

However, we know that taking out first-time driver insurance can be a little bit daunting, not to mention expensive.

First time car insurance quotes can be costly. The majority of new drivers are young drivers (under 25 years old) and we all know that car insurance is higher for young drivers than it is for other groups.

But all is not lost. At Allianz, we’re happy to insure young and new drivers. We want to see young drivers in Ireland get an active car insurance policy as quickly and easily as possible. See some car insurance options for you listed below:

Become a Named Driver with Allianz

Once you are 17 years or older and hold a valid learner permit or driving licence, you can ask your parent/guardian to add you as a named driver on their Allianz car insurance policy. 

Their insurance premium will increase, but it is a great idea to get driving practice in before getting your full licence or buying your own car. It may also help reduce your car insurance premium when you take one out in your own name.

First Car Insurance Policy in Your Own Name

Becoming a named driver on your parent’s policy is an easy and economical way to get on the road as a first-time driver. But it’s not the same as having your own car and your own insurance policy. 

If you are looking for the best first-time car insurance then there are a few things you need to consider.

Your age, occupation, where you live and park your car. But who else you have insured on your car, the type and age of car you drive are also all factors that insurance companies use to determine your car insurance premium.

Type of Car

The only factor you can really influence is the type of car you drive. Young first time drivers should go for a 1 litre or 1.1 litre car, as smaller engine cars are usually cheaper to insure. Ideally, you should avoid high performance cars / GTI’s and keep the BHB (break horse power) as low as possible.

Older cars are more expensive to insure, however, brand new cars are also quite expensive to insure due to the cost of parts and repairs. You should try find a car somewhere in the middle for the first year or two that you are on the road!

Saving Money on Car Insurance for New Drivers

To reduce the costs associated with insurance for new drivers, the best thing you can do is pass your driving test as soon as possible. It is more expensive to insure learner drivers. Your car insurance premium will get cheaper the longer you hold a full licence. 

Then, you need to build up your driving experience. You can do this as a named driver on someone else’s policy or with a policy in your own name.

Safe driving will also help lower your premium, especially when you rack up the no claims bonus. The more years you have with no insurance claims, the cheaper your car insurance premium will become.

Whilst your age and inexperience will play the biggest part in your first-time car insurance premium, Allianz is here to help with competitive prices for young drivers.

Get a car insurance quote online so we can you get up and running with your first car insurance policy. Freedom, independence and road trips are all just a call away.

Allianz p.l.c. is regulated by the Central Bank of Ireland. Standard acceptance criteria and policy conditions apply. 

Melanie May
Journalist @thejournal_ie & @CompleteCar | Social Media & Digital Marketing Manager | Travel Blogger | Food Writer & Judge