A letter by a daughter to her mother

Passing your driving test is a rite of passage, and for many young people it’s a hard-won achievement. Saying goodbye to your L-plates is always cause for celebration - but sadly the cost of car insurance for under-21s can quickly crush any new driver’s party spirit. However, there are things you can do to push the cost of a young person’s insurance policy down. Here are our top tips for finding cheaper car cover for under-21s. Choose your car carefully If you’re about to buy your first car, or if you’re a parent looking to help your son or daughter purchase a vehicle for the first time, it’s important to research your insurance options before checking out makes and models or organising test drives. Not only will insurance be more expensive for some cars than for others; you may find that insurance companies refuse altogether to cover young drivers when their vehicle of choice is too costly, has too high a specification, has too many modifications or has too powerful an engine. To avoid disappointment - not to mention eye-watering insurance premiums - use our car insurance comparison tool before you start shopping. Input different types of cars into the search to get an idea of what cover for a young person driving a variety of different cars might cost. 2:52 CC Off English Add a named driver to your under-21’s insurance policy You could help to lower your son or daughter’s car insurance costs by being a named driver of their vehicle - but ensure you resist the temptation to decrease the cost of their policy further by claiming you are the main driver of the car if you are not. ‘Fronting’ - the practice of telling an insurance company that you are the principal driver of a vehicle, when in fact it is used by someone else for the majority of the time - is a form of insurance fraud, and could have serious consequences. If you are caught fronting when you try to make an insurance claim, your insurer will refuse to pay out and you could face prosecution. It’s also likely that you would be refused insurance cover in the future. Because young people are statistically more likely to have accidents than older drivers, their insurance

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