Named Young Driver Insurance

Find out more about how named young driver insurance can work as an affordable alternative to being added as a named driver on someone else’s car insurance.

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Why choose Howden for Named Young Driver Insurance?

Howden is the new name for A-Plan. As an insurance broker who specialises in providing motor policies, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of insurers, including the insurance specialists at Marmalade, we make the process of comparing multiple car policies, on your behalf, simple and straightforward. What’s not to like?

Our industry experts also know that each policy needs to be as individual as its owner, and that’s why we make sure that we provide a tailored, personalised service, focused on getting to know you and learning more about exactly what you want from your named young driver insurance.

Ultimately, whether you need to make a claim, purchase a new policy, or renew an existing one, just know that we’re here to help if you need us.

Benefits of working with us:

  • You can trust us – we’re rated Excellent on Trustpilot.
  • We’re driven to save you time, money, and hassle.
  • Benefit from a tailored service that comparison sites can’t provide.
  • Speak with your local branch, within your community.
  • We’re right by your side in the event of a claim.

Our arrangement with Marmalade gives our clients access to specialists in the market who will help find you the right policy for their learner driver needs.

How does Named Young Driver Insurance work?

Designed for young drivers aged 17-27 this innovative insurance, courtesy of the car insurance specialists at Marmalade, presents a unique way for a young driver to get insured on a parent’s car.

The named young driver insurance we offer uses black box technology to help young drivers develop safe driving skills and enables them to start earning their own no claims discount (NCD). This is also an annual policy which runs alongside the parents’ car insurance that only covers the young driver when they are behind the wheel.

The black box, or telematics device, will monitor your driving style by measuring:

  • Acceleration

  • Braking

  • Cornering

  • Speed

  • Mobile phone usage

  • Location and distance driven

  • Crash detection

So, if you drive safely and maintain a good driving score, you'll be rewarded with a personalised premium when it's time for renewal.


Just so you’re aware, this black box insurance cover is only suitable for:

  • Driving a parent's or grandparent's car
  • Provisional and full licence holders
  • Young drivers aged 17 – 27

This cover is not suitable for:

  • Insuring a young driver's own car

  • Vans or commercial vehicles


What does Named Young Driver Insurance cover?

Here's what's included:

  • Protects the car owner's no claims discount
  • Young drivers can start building their own no claims discount
  • Cover for legal liability in case of injury or death
  • Protection against damage to the car owner's vehicle
  • Personal accident cover up to £2,500
  • Medical expenses covered up to £250
  • Personal belongings insured up to £100

Our arrangement with Marmalade gives our clients access to specialists in the market who will get the right policy for you.


How to get Named Young Driver from an insurance broker

The first step you can take towards getting a named young driver insurance quote is by contacting us or visiting us in branch, and providing us with the following details:

  • Your personal details - name, age and where you live

  • Details about your driving history – have you been involved in an accident? Or made a claim over the last few years?

  • Details about your car – registration number, age, make and model of the car

Once we have all the details we need from you, we'll start looking at policy options and quotes which we think would work best for you! We will then talk it through with you so that you are aware of all the options and can find the right solution to match your budget.


Who Howden work with

The great relationships we have with a wide range of trusted car insurance providers allows us to provide a service which supports each and every one of our learner driver clients.

The years of experience our team have working in the insurance industry has meant that Howden continues to be rated highly by our clients.

Claims

We’re here to assist you when it matters most.

Whatever’s happened to you or your car, we’re here to help. It’s part of our service to make sure that your claim is dealt with as quickly as possible and without any hassle.

MAKE A CLAIM

Do you need car insurance or motor trade insurance to support your business? Look no further than Howden for your motor insurance!


You can also read:

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Rated Excellent on Trustpilot

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500,000+ Protected Clients

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Insuring for 30+ years

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Insurance Broker of the decade

Michael Foord

Hear from our insurance expert...

What’s one thing I should definitely consider before opting for a named young driver insurance policy?

"Think about who will be the main user and also who is will the registered owner of the vehicle. Also, unlike our named young driver insurance, with many insurers you won't generally be building up a no claims bonus."

Michael Foord, young driver insurance expert

Named Young Driver Insurance FAQs

How does the black box determine who's driving the car?

Over time, the telematics tag and app will start to recognise different driving behaviours, automatically assigning trips to either the policyholder or named drivers. If a journey is incorrectly assigned, you can easily re-assign it within the app. Please note that falsely re-assigning trips could lead to your policy being cancelled.

To make sure your phone pairs properly with the telematics tag, Bluetooth must be switched on and your battery should be at least 10% charged throughout the journey.

Can a 17 year old be a named driver?

Absolutely - this named young driver insurance policy is designed for young drivers aged 17-27, including both provisional driving licence and full driving licence holders.

Will I be covered after I pass my driving test?

Yes! This annual policy covers you as a learner on a parent’s car and continues seamlessly once you’ve passed, with no extra cost as your premium will remain exactly the same.

Is it cheaper to get insured on a parent's car?

This depends on your individual circumstances, but in many cases it can be cheaper to get insured on a parent's car. Plus, with this policy, young drivers can start building their own NCD which can save money in the long run.

Will Named Young Driver Insurance cover the main driver of the car?

No, this policy is designed for young drivers who borrow a parent’s car and who are driving less than 50% of the total trips of the car. It’s not suitable if you’re the car’s primary driver.

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