Your Guide To Buying Car Insurance For Young Drivers

If you are a young driver and you’re struggling to find insurance that you can afford, look no further, below you can find a guide that will help you find insurance that won’t break your bank and will still keep your covered properly in case the worst happens.

Why is car insurance so expensive for young people?

Car insurance is so expensive for young people because insurance companies see insuring young people a higher risk than somebody who has been on the roads and planet for a longer time. The average cost of car insurance for 17-22 year olds is £1,300 a year which can seem extremely unfair when you take into account the financial struggles most people in that age group experience when leaving college and going to university or starting their first job. No need to fret, there are some things you can do to try and cut the costs of your insurance.

Tips for lowering the cost of car insurance for young people

The most important tip is to make sure you shop around, try comparison sites when looking for you car insurance. Make sure you read the fine print about your policy as you don’t want to see your premium cost going up and up every month.

There are 3 different types of insurance: fully comprehensive, third party fire and theft and third party only. Most young drivers immediately gravitate towards the third party only insurance policies as you would think that the policy with the lowest coverage would cost the least. This is not always the case. Sometimes insurances companies view young drivers who are taking out a third party only policy as taking more risks which means they view you as a risky person, therefore, upping your premium costs. Make sure you receive quotes for all coverage types and choose the policy that is best for you both cost and coverage wise.

Try rewording your job title (legitimately, of course). So for example, if you have put your occupation as secretary try changing it to PA or if you put yourself as an artist try changing it to illustrator. You would be surprised at how big the change in premium costs could be due to such a small change in detail.

If you have a close relative who is a safe driver, try adding them onto your policy as an “occasional driver”. This is another one that may be a bit surprising. Most people would think that adding another driver onto your policy would increase your premium, but for a young person to add an older and safer driver to their policy, insurance companies see this as trustworthy as the safe driver also trusts the young driver. You could save hundreds with this trick!

Give a black box a go. Although it may seem a little bit daunting at first to have a machine tracking every move (and mistake) you make, a black box could save you hundreds on your premium if you are a safe driver. You usually don’t need to pay for the black box to be fitted and you can track your driving online to help you improve on some of the things that could be keeping your premium high.

The last tip is to look for insurance companies that are specific for young people. An example is Marmalade insurance, they offer insurance for young drivers, new drivers and even learner drivers! Bell Insurance is another company that specifically offers young driver insurance, their insurance is black box insurance. If you’re a young female driver try Diamond insurance as they offer cheaper insurance for female drivers who are finding it hard to find a fair price for their car insurance.

How To Cancel Your Diamond Car Insurance

Diamond insurance offers car insurance specifically designed for women drivers. If you are a Diamond insurance customer and you would like to cancel your car insurance policy you can follow the guide below to find out the different ways you can.

Cancel Diamond Car Insurance Via Phone Call

You can get in touch with the Diamond car insurance regarding cancelling your car insurance policy by dialling 0333 220 2004 . Once on the phone to the team, you will need to inform the team member that you wish to cancel your policy and include any reasons as to why this might be. You may be offered a lower premium if the price was a factor in cancelling your policy but if you still want to cancel you just need to express this to the team member. You will be asked to confirm your personal and policy information with the team member, once you have done this you will be able to confirm the cancellation of your policy, at this stage you will be informed of any outstanding payments that will need to be completed before your policy is cancelled. Once all outstanding payments are completed you will be able to finish the cancellation process.

Cancel Diamond Car Insurance Via Postal Service

You can also get in touch with the Diamond insurance team to cancel your policy by post. You need to write a letter including your personal and policy information as well as any reasons you have for cancelling your policy, if there was an incident that occurred that made you reconsider holding your car insurance policy with Diamond and whether you have found a better deal elsewhere as they may try and match this deal to keep you a customer. You can then send your letter to the Diamond head office at:

Diamond Insurance
Ty Admiral,
David Street,
Cardiff,
CF10 2AA

Diamond Insurance Contact Number

0333 220 2004

Diamond Insurance is part of the Admiral Group which was founded in 1991. Diamond Insurance specialises in insuring female drivers. They offer car, home, travel, van, scooter, multicar and landlord insurance. They also provide handbag, child car seat, courtesy car, breakdown, European and personal injury cover for their customers.

Diamond Insurance Contact Number

You can get in touch with the Diamond Insurance contact number if you have some inquiries to discuss regarding your insurance policy, you would like to file a complaint regarding your insurance policy, you would like to inquire about their other insurance products if you already have insurance with Diamond or you would like to find out about a specific product if you’re a new customer, you are looking to change some of your personal or policy information, you have some account inquiries or you would like to discuss other inquiries or issues with the Diamond insurance customer service team.