Car insurance is a legal necessity for all drivers, providing protection for other road users and pedestrians. New drivers face higher costs due to their limited experience, lacking a no-claims history. There are three insurance levels: third party only (TPO), third party, fire and theft (TPFT), and comprehensive. TPO covers others’ injuries and damage, TPFT adds coverage for fire and theft, while comprehensive includes additional protections for personal injury and vehicle damage.
New drivers can be added to parents’ insurance alternatively, individual insurance helps build a personal no-claims history. Ensure each driver is only insured once to avoid claims issues. With accrued experience, insurance costs typically decrease with a growing no-claims bonus.