Getting the best start on the road
We know that car insurance for young drivers can be expensive. At Apex Insurance, our dedicated young driver team works hard to find the most competitive rates from our panel of insurers — without cutting corners on the cover you need.
Whether you've just passed your test or have a year or two of experience behind you, we'll discuss all your options and help you find a policy that works for your budget.
Dedicated Young Driver Team
Specialist advisors who understand the unique challenges faced by young drivers and newly qualified motorists.
Telematics / Black Box
Reward safe driving with a black box policy — a great way to reduce your premium based on how you actually drive.
Named Driver Option
Consider being added as a named driver on a parent's policy to build experience and reduce costs initially.
Driving Lesson Discount
Exclusive discount on driving lessons available through our partner network for Apex Insurance customers.
No Claims Bonus Building
Start building your no claims bonus from day one to benefit from lower premiums as you gain experience.
Flexible Payment Options
Monthly instalment plans available to help spread the cost of your car insurance premium.
Tips to reduce your young driver premium
- Choose a car in a lower insurance group (smaller engine, lower value)
- Consider a telematics / black box policy
- Increase your voluntary excess to lower your premium
- Avoid modifications to your vehicle
- Take an advanced driving course — some insurers reward this
- Park off-road overnight where possible
- Limit your annual mileage if you don't drive long distances
Frequently asked questions
Can I be added to my parent's policy?
Yes — being added as a named driver on an existing policy can be a cost-effective option, particularly in the early months after passing your test.
What is fronting and is it legal?
Fronting is where a parent takes out a policy in their name but the young driver is the main user. This is illegal and can result in your policy being voided. Always declare the main driver accurately.