- Insurance for a young driver can cost between £1000-£4000 depending on factors like the company and coverage selected. Legal assistance, breakdown coverage, personal accident coverage, and courtesy cars are among the options that can increase premium costs. - Having a black box to monitor driving, adding a responsible adult to the policy, and choosing a small engine size between 1.0-1.2 liters can help lower insurance costs. - It is legally required to have at least third party insurance, and driving without it could result in penalties like fines and license points or the car being seized.

1. Starter Kit
Legal requirements
• Driving Licence
• Insurance
• Tax
• MOT
Insurance
Insurance for a young driver can cost between £1000 - £4000. This depends on which insurance company
you choose and what cover you choose to include. Things it will cover are Legal Assistance (they will pay for
solicitor fees). This is something that’s really useful as legal fees are expensive. Breakdown cover (the break-
down company will come and help when your car breaks down), Personal Accident (if you injure yourself),
Courtesy Car (they will pay for you to rent a car if you’ve had an accident) and Windscreen Repairs (they will
pay for your windscreen to be repaired/replaced). Some companies will include these in the price, but others
might make you pay extra.
The three features that affect the insurance premium is Legal cover, Personal Accident and Courtesy car. If
you make a claim on one of these features, the price will go up when you renew your insurance. The insur-
ance will pay out up to £10,000 if your car is written off.
It’s a good idea to get a black box, a device that monitors your speed and driving style. This will help bring the
insurance cost down each year. if you have a black box and it says your speeding, the insurance company will
ring the police. It’s likely your premium will go up when you renew the insurance.
Another good idea is to add a responsible adult to the insurance (someone with no points on there licence).
This will bring the cost down even more.
Another thing to consider is engine size because the bigger the engine, the higher the insurance will cost.
Ideal size engines are between 1.0 litre and 1.2 litre engines
It’s the law to drive with at least 3rd party insurance. If you drive without insurance in a public area, you
could get a £300 fixed penalty and 6 points on your licence by the police. If the case goes to court the
fine is unlimited or you could be disqualified. The police also have a right to seize or crush the car if
driven without insurance.
Recommended Insurance companies
• RAC
• AA
• Admiral
• One Call
• LV
• Direct line
Comparison Websites
gocompare.com
comparethemarket.com
confused.com
moneysupermarket.com
uswitch.com
USEFUL INFO

2. Tax
Look at the price of taxing the car. Prices can vary between £0 and £2100. These are
set prices by the government. Tax is based on the amount of emissions the car lets off.
Use comparison websites to compare the insurance costs with different companies as
prices can vary.
Buying a car step-by-step
When you find a car you like, a good idea is to check it before you buy it on the gov.uk
website. This tells you:
• If the car has been stolen.
• If it’s been recalled because of safety.
• If it’s got an MOT and shows its history.
Ideal First Cars
Vauxhall Corsa
Ford KA
Toyota Aygo
Dacia Sandero
Nissan Micra
Chevloret Spark
Peugeot 107
These cars are ideal to buy as a first car because they’re cheap to insure.
The best time to buy a car is in spring or summer because they’re will be lots of good
deals in the market. It’s best not to buy in winter because lots of things can go wrong
with a car.
Things to consider when buying a car
• Age of the car – the older it is, the cheaper it will be to buy it, but there could
be problems with it costing more than the cars worth.
• How much you want to spend – anything between £1000 - £2000 is ideal for
your first car.
• A 10 year old car that’s been well looked after might be a good choice because
it will help to keep costs down.
What to do when you’ve bought a car
When you’ve bought a car, you need to sign a V5 form which says you own the car.
You need to send a slip off and the government will register the car in your name and
send the new V5 through the post. If you lose the form, you need to get a replacement
which costs £25.
Toyota Aygo
Dacia Sandero
Cheverloret Spark
ORMATION
Peugeot 107
Vauxhall Corsa
Ford KA
Nissan Micra