The fact is, young drivers are seen as high risk by insurers because they are. The average premium for a young driver is around £1000, but it can be significantly more than the cost of the car.

“MMMMM, rich flavour!” You can lower the premium by doing a tougher driving qualification like Pass Plus Test, or by getting a telematics policy, where the insurer will fit a black box to the car which monitors the way the car is driven and rewards sensible motoring with reduced premiums.

And here’s a tip, don’t assume 3rd party cover is going to be the cheapest. Since young people are more likely to be in an accident and make a claim, a more comprehensive policy may actually be cheaper.

Think of it like this; some insurers like to cover young drivers, and some simply don’t. So to potentially save yourself thousands of pounds, shop around. The easiest way to do this is to use a large, independent price comparison site.