Under 25? Insurers often mark you as higher risk, so premiums are steeper and claim excesses can stack up. Between young-driver and unlisted-driver excesses, state-by-state pricing quirks, and confusing policy extras, it’s easy to overpay or end up underinsured. Add decisions like third party vs comprehensive, whether your car sleeps on the street or in a garage, pay-as-you-drive limits, and whether you’re L or P-plated or doing the odd rideshare shift, and finding "the best" cover can feel like a full-time job.
This 2025 guide cuts through the noise with a shortlist of 10 insurers offering solid value for young Australian drivers. For each pick we explain why it stands out, who it suits (from learners and P-platers to students), what to watch on pricing and excesses, and steps to lock in a sharper quote. We’ve weighed price against real cover – features like no age-based excess, online discounts, driver-training savings, flexible month-to-month options, strong claims support and repair guarantees – and included national brands alongside state-based clubs. Ready to save without skimping on protection? Let’s compare the best car insurance for young drivers now.
1. National Cover — best overall for value-focused young drivers
If you’re under 25 and trying to cut costs without cutting cover, National Cover stacks the odds in your favour. Their combination of competitive pricing, a price-beat guarantee, and genuinely helpful claims support makes them a standout for young drivers who want solid protection and a fair premium. Add specialised options for rideshare and courier use, lifetime repair warranties, and 24/7 towing, and you’ve got a package built for real life on Australian roads.
Why it stands out for young drivers
National Cover leans hard into “value without compromise”. You get comprehensive car cover for theft, fire, natural disasters, vandalism and at‑fault accidents, plus expert, hassle-free claims support 365 days a year. Their price-beat guarantee is backed by ASIC‑licensed analysts and data-led pricing, which is ideal when every dollar matters. Practical extras — lifetime warranty on repairs, replacement cars for not‑at‑fault claims, 24/7 towing, and excess discounts when you use preferred repairers — help young drivers stay mobile and keep out-of-pocket costs predictable.
Who it suits
National Cover is a strong fit if you’re chasing the [best car insurance for young drivers](https://nationalcover.com.au/choose-right-best-car-insurance/) and want maximum cover per dollar.
- Budget-conscious under‑25s: Price-beat guarantee + smart pricing research to keep premiums sharp.
- Learners and P‑platers with guidance needs: Easy claims lodgement by email and dedicated support 365 days a year.
- Side-hustlers (rideshare/courier): Specialised policies for rideshare, taxi and delivery, plus broader business use options.
- Drivers who value repair quality: Lifetime warranty on all repairs and excess discounts with preferred repairers.
- Switchers mid‑term: Help understanding return premiums so you can move early without guesswork.
Pricing and excess notes
Like most insurers, young drivers can face higher [premiums](https://nationalcover.com.au/tag/car-insurance-costs/) and extra excesses. Market data shows under‑25s often pay more on average, and multiple excesses can stack at claim time (e.g., standard + young driver + unlisted driver). National Cover helps blunt those costs through:
- Price-beat guarantee: If you’ve got a comparable quote, they’ll aim to beat it.
- Excess savings pathways: Discounts on excess when you use preferred repairers, helping offset typical under‑25 excesses.
- Tailored cover: If you’re doing rideshare or business use, the right policy type can avoid costly exclusions later.
Tip: Always ask about any young driver, inexperienced driver, or unlisted driver excess that might apply to your situation, especially if you occasionally drive a parent’s car.
How to get the best deal
Small moves can drive big savings without weakening your cover.
- Bring a competing quote: Use the price-beat guarantee to your advantage.
- Tune your excess carefully: A higher standard excess can lower premiums — just set it at a level you can afford.
- Secure parking and anti‑theft: Garage parking and immobilisers/alarms may reduce premiums with many insurers.
- Avoid risky mods: Modified or high‑performance cars usually cost more to insure under 25.
- Use preferred repairers: Tap the excess discount and the lifetime repair warranty for long‑term value.
- Switch smart: Ask for guidance on return premiums so you don’t wait and overpay with your current insurer.
2. Budget Direct — low-cost online cover with strong sign-up discounts
If you want a sharp premium without sacrificing core protection, Budget Direct is a go-to for many under‑25s. It’s online-first, quick to quote, and stacks in meaningful features for new drivers — which is why it regularly shows up in value comparisons for young motorists.
Why it stands out for young drivers
Budget Direct leans on aggressive online pricing and clear inclusions that matter early in your driving life. You can save 15% on your first year’s premium when you buy online, claims can be lodged 24/7 by phone or online, and you can choose agreed or market value. If your car is written off and meets the criteria, new-car replacement applies within the earlier of 24 months or 40,000 km — a big safety net for newer vehicles. Canstar also flags the product as Outstanding Value in its listings.
Who it suits
Budget Direct will suit you if you’re chasing the best car insurance for young drivers at a low online price and want simple control over your cover.
- Price hunters under‑25: Strong first‑year online discount to get started.
- Owners of newer cars: New‑car replacement within 24 months/40,000 km (T&Cs apply).
- Digital-first drivers: Fast quotes, 24/7 claims, minimal paperwork.
- Those who want flexibility: Agreed or market value options to match your budget and risk.
Pricing and excess notes
Young drivers usually face higher premiums and extra excesses (e.g., young driver or unlisted driver). With Budget Direct, note that some learner drivers need to be added to the policy — failing to list regular or learner drivers can trigger higher unlisted-driver excesses at claim time. Like many insurers, paying monthly may cost more than annually. Your location and car type matter too: CHOICE data shows big state-by-state price differences and higher averages for under‑25s, so tailor your cover and excess to what you can afford if you need to claim.
How to get the best deal
Small setup choices can lock in a lower premium and fewer surprises later.
- Buy online: Capture the advertised 15% first‑year saving.
- List all regular drivers (and learners): Avoid unlisted-driver excesses.
- Pick the right value basis: Use agreed value to cap depreciation, or market value to trim premiums.
- Set a realistic standard excess: Higher excess lowers premiums; keep it payable in a pinch.
- Park securely and add anti‑theft: Garage parking/immobilisers can reduce risk-based pricing.
- Pay annually if you can: Many insurers charge more for monthly instalments.
3. AAMI — nationwide cover with driver training discounts
If you want a big-name insurer with practical perks for under‑25s, AAMI is hard to ignore. It’s one of CHOICE’s cheapest insurers on average for young drivers in 2025 and stands out for offering a discount when you complete its skilled driver training course — a rare, targeted saving that directly rewards safer driving habits.
Why it stands out for young drivers
AAMI combines broad, mainstream cover with tangible benefits for newer drivers. The headline edge is its skilled driver training discount, which can trim premiums for under‑25s who complete the course. CHOICE’s pricing study also places AAMI among the cheapest insurers on average for young drivers nationally, signalling strong value potential if you’re price‑sensitive but still want comprehensive protection.
Who it suits
AAMI suits under‑25s who want straightforward, nationwide cover with a safety-led saving.
- Value seekers: Listed by CHOICE among the cheaper options for young drivers (your price will vary).
- Learners/P‑platers in family cars: For supervising a learner driver, AAMI typically doesn’t require changes to the policy, easing parent stress.
- Safety-first drivers: Discount for completing AAMI’s skilled driver training course helps counter under‑25 loadings.
Pricing and excess notes
Like most brands, AAMI will price for age and experience, and additional excesses may apply (e.g., young driver or unlisted driver). CHOICE highlights how excesses can stack across the market — in some scenarios a 20‑year‑old not listed on a policy could face multiple excesses at claim time (standard + young driver + unlisted). Also note that under‑25 premiums are generally higher, and costs vary by state and vehicle. Listing all regular drivers and understanding any age/inexperience excess is key to avoiding bill shock.
How to get the best deal
Lean into the features AAMI already puts on the table, then tidy up the risk factors you can control.
- Do the skilled driver course: Capture AAMI’s training discount to offset under‑25 pricing.
- List every regular young driver: Avoid unlisted-driver excesses; don’t assume you’re covered.
- Confirm L‑plate settings: For supervised learners, AAMI typically doesn’t require policy changes — still, call to check your specifics.
- Choose a sensible excess: Lift the standard excess only to a level you can actually pay.
- Keep it low‑risk: Safe, unmodified cars, secure garaging and anti‑theft devices can help reduce premiums.
- Pay annually if possible: Many insurers charge more for monthly instalments, so annual payment can save over a year.
4. ROLLiN’ Insurance — flexible month-to-month with no age-based excess
ROLLiN’ is built for under‑25s who want flexibility and fewer surprises at claim time. It’s one of the few brands that explicitly charges no age‑based excess, offers agreed value, and even waives the excess on your first covered windscreen repair — handy when chips and cracks happen. It’s month‑to‑month only, so you can keep cover without a long commitment, and it’s been recognised with a 2025 Canstar Outstanding Value award.
Why it stands out for young drivers
For drivers hit hardest by age loadings, ROLLiN’s “no age‑based excess” is a real win. The product focuses on everyday headaches for new motorists: you can pay monthly, choose agreed value to control payouts, and get no excess on your first covered windscreen repair. Canstar also highlights the product’s award‑level value, with notes that certain write‑off replacement criteria apply — always check the PDS so you know the thresholds that matter to your car.
- No age‑based excess: Reduces out‑of‑pocket shock for under‑25 claims.
- No excess on first covered windscreen repair: Fix chips early, keep visibility (and costs) in check.
- Agreed value: Align payout with your expectations.
- Month‑to‑month only: Keep it flexible without paying a full year upfront.
Who it suits
If you’re comparing the best car insurance for young drivers and want flexibility plus fair claim costs, ROLLiN’ fits well.
- Under‑25s wary of stacked excesses: No age‑based excess helps keep claims manageable.
- Students and renters: Monthly premiums only suit changing budgets.
- First‑car owners: Windscreen repairs with no excess on the first covered fix.
- Drivers wanting control: Agreed value can protect you from lowball market valuations.
Pricing and excess notes
Only monthly premiums are offered, so you won’t find pay‑annually discounts here. While there’s no age‑based excess, your standard excess still applies, and additional excesses (like unlisted or inexperience) can exist across the market — ask ROLLiN’ what could apply to you. Canstar rates the policy as Outstanding Value, and notes criteria around write‑off replacement; verify the specifics for your vehicle. Also note CHOICE’s methodology doesn’t include quotes from IAG brands (which includes Rollin’), so compare directly for a like‑for‑like price.
How to get the best deal
Tighten the risk, choose the right settings, and use the built‑in perks.
- Set a sensible agreed value: Balance premium vs payout you’ll be happy with.
- Fix chips early: Use the no‑excess windscreen repair benefit before cracks spread.
- Keep it low‑risk: Unmodified car, secure garaging, and anti‑theft can help pricing.
- Disclose every regular driver: It helps avoid additional excesses common in the market.
- Stay claim‑free where you can: Protect your future premium trajectory with safer habits.
5. Youi — personalised pricing based on how and when you drive
If your routine doesn’t look like the average under‑25’s, Youi’s “get to know you” approach can work in your favour. They tailor cover to your actual usage and risk profile, with practical perks that young drivers value: claims advisors available 24/7, roadside assist included with comprehensive (T&Cs apply), cover for storm, hail and flood, and new‑car replacement within the first two years (T&Cs apply). Canstar also notes Youi as 2025 Most Satisfied Customer Car Insurance in NSW, VIC and SA.
Why it stands out for young drivers
Youi’s strength is personalisation. Rather than a one‑size price, they ask detailed questions so cover and costs reflect how you really drive — helpful if you park securely, drive fewer kilometres, or don’t commute daily. The built‑in 24/7 Roadside Assist with comprehensive adds peace of mind for breakdowns, and round‑the‑clock claims support means help when you need it. If your car is written off and meets eligibility criteria, new‑car replacement for the first two years is a valuable safety net on newer vehicles.
- Tailored quotes: Pricing shaped to your actual driving and storage habits.
- 24/7 support: Claims advisors on call, plus Roadside Assist included with comprehensive (T&Cs apply).
- Weather cover: Protection for storm, hail and flood events.
- New‑car replacement: Within two years on eligible write‑offs (T&Cs apply).
- Customer kudos: Canstar 2025 Most Satisfied Customer Car Insurance in NSW, VIC, SA.
Who it suits
If you’re hunting the best car insurance for young drivers and your risk profile differs from the stereotype, Youi is worth a quote.
- Under‑25s with atypical use: Personalised pricing can reward low‑risk habits.
- Owners of newer cars: Two‑year new‑car replacement (eligibility applies).
- Drivers who want backup: Roadside Assist included in comprehensive.
- NSW/VIC/SA drivers: Strong customer satisfaction signals in those states.
Pricing and excess notes
Under‑25 premiums are generally higher across the market, and age/inexperience or unlisted‑driver excesses can stack at claim time. With Youi, your quote reflects your specific details (age, address, car, claims history, usage), which can help if you’re lower risk than the average. Always confirm: standard excess, any young or inexperienced driver excess, and unlisted‑driver excess rules. Paying monthly can cost more than annually with many insurers, so check the payment impact when you compare.
How to get the best deal
A little prep before the quote can sharpen the outcome — and reduce surprises later.
- Come prepared: Annual kms, parking (garage vs street), and trip purpose help Youi tailor pricing.
- Right‑size your excess: Higher standard excess = lower premium; keep it affordable for a bad day.
- List all regular drivers: Avoid unlisted‑driver excess scenarios.
- Keep it low risk: Unmodified car, anti‑theft devices and secure garaging can help premium.
- Leverage inclusions: If you already pay for roadside elsewhere, factor in Youi’s included assist to avoid duplication (T&Cs apply).
- Clarify benefits: Ask about two‑year new‑car replacement criteria and any age/inexperience excesses before you buy.
6. NRMA Insurance — strong option for NSW/ACT learners and P-platers
If you’re learning to drive in NSW or the ACT, NRMA Insurance is a practical, low‑friction choice — especially for families. CHOICE notes that NRMA doesn’t require any policy changes just to supervise a learner driver, which removes a common admin headache while you’re clocking up hours. For P‑platers, getting listed correctly and understanding the excess rules can keep costs predictable on one of Australia’s pricier under‑25 markets.
Why it stands out for young drivers
NRMA’s big advantage for under‑25s is how easy it makes supervised L‑plate driving on a parent’s policy. That simplicity, plus local focus in NSW/ACT, means fewer roadblocks while you build experience. It’s also widely recognised, so getting guidance on listing drivers and excesses is straightforward.
- No policy change to supervise Ls: CHOICE reports NRMA doesn’t require changes for supervising a learner driver.
- Clear path to P‑plates: Listing young drivers is simple — crucial to avoid unlisted‑driver excesses.
- NSW/ACT focus: A familiar insurer where under‑25 premiums tend to run higher, so local know‑how helps.
Who it suits
NRMA fits young drivers who want smooth admin and clear rules in NSW/ACT.
- Families teaching learners: Keep lessons covered without policy tweaks.
- Occasional P‑plate drivers of a parent’s car: Get listed to avoid bill shock at claim time.
- Under‑25 main drivers: A sensible, local brand if you’re taking out your own policy.
Pricing and excess notes
Under‑25s pay more across the board, and NSW is among the most expensive states (CHOICE’s sample average for under‑26s shows NSW around $3362 vs ACT around $2161). Excesses can stack industry‑wide: a 20‑year‑old not listed on a policy might face a standard excess plus young‑driver and unlisted‑driver excesses (CHOICE’s example totals up to $2800). Young‑driver excesses often don’t apply to learners, but do check your specific policy. Note: CHOICE’s 2025 price study didn’t include IAG brands (which includes NRMA), so always get a direct quote.
How to get the best deal
A few setup choices can trim premiums and protect you at claim time.
- List every regular young driver: Avoid the unlisted‑driver excess.
- Put the policy in the real main driver’s name: Insuring in a parent’s name when you’re the main driver can be deemed fraudulent, per CHOICE.
- Right‑size your standard excess: Higher excess lowers premiums — keep it affordable.
- Pay annually if possible: Monthly can cost more over a year.
- Reduce risk factors: Secure garaging and anti‑theft devices can help pricing.
- Compare directly: Because IAG/NRMA weren’t in CHOICE’s price sample, get a fresh quote and benchmark it against two to three alternatives.
7. RACQ — competitive value for Queensland under-25s
Living in Queensland? RACQ should be on your first‑quote list. CHOICE’s 2025 pricing analysis names RACQ among the cheapest insurers on average for young drivers nationally, and with QLD’s own average premium for under‑26s around $2554, starting with a value‑leaning local brand can make a real dent in your costs.
Why it stands out for young drivers
RACQ’s inclusion in CHOICE’s “cheapest on average” group signals strong price potential for under‑25s, without dropping to bare‑bones cover. As a Queensland-focused insurer, it’s a logical benchmark quote for locals comparing comprehensive vs third party, or weighing higher excess for a lower premium.
- CHOICE-listed value: Among the cheapest insurers on average for young drivers.
- QLD relevance: A sensible first stop if your garaging, commute and address are in Queensland.
- Solid baseline quote: Useful anchor for comparing features and excesses with other providers.
Who it suits
If you’re after the best car insurance for young drivers in Queensland and want to balance cover with cost, RACQ is a smart fit.
- Under‑25s across QLD: Metro or regional addresses looking for competitive comprehensive quotes.
- Students and first‑car owners: Price‑sensitive drivers who still want meaningful cover.
- Families listing young drivers: A clear brand to include when benchmarking family‑policy costs.
Pricing and excess notes
Under‑25s pay more across the market, and QLD’s average sits mid‑pack against other states. CHOICE highlights that excesses can stack at claim time — standard + young driver + unlisted driver — which can push out‑of‑pocket costs high for P‑platers if they’re not correctly listed. Premiums also vary by car type, address and gender, and can fall notably from 21–24 to age 25.
- QLD average for under‑26s: About
$2554(CHOICE, July 2025 sample). - Excess stacking risk: Understand any young driver, inexperienced, and unlisted‑driver excesses.
- Age matters: Prices generally ease after 21 and again at 25.
How to get the best deal
Lock in a sharp RACQ quote, then pressure‑test it against a few others using the same settings.
- Get multiple quotes: CHOICE suggests at least five; keep car details and excess identical for a fair compare.
- List every regular driver: Avoid unlisted‑driver excess at claim time.
- Set a realistic excess: Higher standard excess lowers premiums; keep it payable on a bad day.
- Choose sensible wheels: Unmodified, non‑performance cars are usually cheaper for under‑25s.
- Reduce risk signals: Secure garaging and anti‑theft devices can help pricing.
- Consider third party if value fits: On cheaper cars, TPPD or TPFT may be the right budget trade‑off.
8. RAC (WA) — simple, locally focused cover for WA young drivers
If you’re under 25 in Western Australia, RAC (WA) is a sensible local benchmark to put near the top of your quote list. CHOICE’s 2025 research names RAC among the cheapest insurers on average for young drivers nationally, and the same study shows WA’s average premium for under‑26s sits around $2597 — so starting with a value‑leaning local brand can help keep costs grounded while you compare the best car insurance for young drivers.
Why it stands out for young drivers
RAC’s strength is straightforward value for West Aussies. Being highlighted by CHOICE as one of the cheapest insurers on average for young drivers signals competitive pricing without having to drop to minimal cover. As a locally focused provider, it’s a practical first quote to anchor your comparisons across comprehensive, third party property, or third party fire and theft.
- CHOICE-listed value: Among the cheaper options on average for young drivers.
- WA relevance: A logical fit if you live, park and commute in WA.
- Solid baseline: Useful for like‑for‑like comparisons on features and excess.
Who it suits
RAC (WA) fits under‑25s who want simple, reliable cover from a local name.
- Price‑conscious WA drivers: Students, apprentices and first‑car owners.
- Learners and P‑platers in family cars: Easy brand to include when listing young drivers on a parent policy.
- Drivers weighing cover levels: Comparing comprehensive vs third party on lower‑value cars.
Pricing and excess notes
CHOICE’s July 2025 sample shows WA’s average premium for under‑26s at about \$2597. Across Australia, under‑21s average higher premiums than 21–24s, and costs generally ease again at 25. Remember, excesses can stack at claim time industry‑wide: standard + young driver + unlisted‑driver excess (CHOICE’s example shows totals up to \$2800 if a 20‑year‑old isn’t listed). Listing every regular driver and understanding any age or inexperience excess is essential.
How to get the best deal
A clean compare and a few risk tweaks can shave meaningful dollars.
- Collect 3–5 quotes: Keep car details, drivers and standard excess identical for fairness.
- List all regular drivers: Avoid unlisted‑driver excess shocks.
- Right‑size your excess: Higher standard excess lowers premiums — keep it payable.
- Reduce risk signals: Secure garaging and anti‑theft devices can help pricing.
- Choose sensible wheels: Unmodified, non‑performance cars are cheaper to insure under 25.
- Consider third party on cheaper cars: TPPD or TPFT can be a smart trade‑off if your car’s value is low.
- Pay annually if you can: Many insurers charge more for monthly instalments.
9. RACV — reliable choice for Victorian under-25s with member perks
Victorian under‑25s face the steepest premiums in Australia — CHOICE’s July 2025 sample shows an average around $3614 for drivers under 26 in VIC — so getting a local benchmark quote matters. RACV is a familiar Victorian brand many young drivers consider first. Because IAG brands (including RACV) weren’t in CHOICE’s 2025 price sample, you’ll want a direct quote and a like‑for‑like comparison with a few alternatives before you decide.
Why it stands out for young drivers
RACV’s appeal is its local focus and the convenience of keeping key motoring needs under one roof. If you already use RACV services, consolidating can make life simpler — and membership may come with extra offers from time to time. The smart move is to ask what member benefits (if any) currently apply to car insurance and confirm eligibility before you buy.
Who it suits
RACV fits Victorian drivers who value a local brand and straightforward cover choices.
- VIC under‑25s chasing a local baseline: A logical first quote to anchor comparisons.
- Families listing learners/P‑platers: Clear process to list every regular driver is crucial.
- Students/first‑car owners: Prefer simple, reputable cover with potential member advantages.
- Existing RACV members: Check for any current member‑only offers or perks that apply.
Pricing and excess notes
Victorian pricing skews high for under‑25s, and excesses can stack across the market at claim time (standard + young driver + unlisted‑driver). CHOICE’s example shows totals up to $2800 if a 20‑year‑old isn’t listed. Always ensure the real main driver is the policyholder — insuring in a parent’s name when you’re the main driver can be considered insurance fraud and risk claim denial (per CHOICE). Because RACV wasn’t in the CHOICE dataset, rely on fresh quotes for accuracy.
How to get the best deal
- Collect 3–5 quotes in one sitting: Match car, drivers and standard excess for a fair compare.
- List every regular driver (incl. P‑platers): Avoid unlisted‑driver excesses.
- Right‑size your standard excess: Higher excess lowers premiums; keep it payable if things go wrong.
- Reduce risk signals: Secure garaging, immobilisers/alarms and no performance mods help.
- Pay annually if you can: Monthly instalments often cost more over a year.
- Confirm member offers: If you’re an RACV member, ask about any current insurance benefits and T&Cs before purchasing.
10. Coles Car Insurance — supermarket-linked savings and online discounts
If you’re chasing a no‑fuss, good‑value policy you can set up online in minutes, Coles Car Insurance is a handy pick for under‑25s. The big draw is an online sign‑up discount of 15% off your first year’s premium on new policies, plus practical options like agreed or market value and new‑car replacement if written off within the earlier of 24 months or 40,000 km (T&Cs apply).
Why it stands out for young drivers
Coles keeps things simple and price‑friendly for first‑time buyers and students who want decent cover without the runaround. You can quote and buy online quickly, lock in your value basis, and get peace of mind on newer cars with clear replacement rules if the worst happens early in ownership.
- 15% online discount: Save on your first year when you buy a new policy online (T&Cs apply).
- Agreed or market value: Choose the payout style that suits your budget and risk.
- New‑car replacement: If written off within 24 months/40,000 km (T&Cs apply).
- Digital convenience: Fast online quoting and purchase.
Who it suits
Coles is a straight‑shooting option if you want the best car insurance for young drivers at a sharp online price with sensible features.
- Price‑conscious under‑25s: Online discount helps counter age‑based pricing.
- Owners of newer cars: Write‑off replacement criteria support early ownership risks.
- Digital‑first buyers: Quick self‑serve quoting and purchase.
- Students and first‑car owners: Clear choices, fewer moving parts.
Pricing and excess notes
Under‑25s generally pay higher premiums, and excesses can stack at claim time across the market (standard + young driver + unlisted driver). Listing every regular driver is crucial to avoid unlisted‑driver excesses. Prices also vary by state, vehicle and where you park, and many insurers charge more for monthly instalments than annual payment. Not all brands appear in CHOICE’s pricing dataset, so always get direct quotes for accuracy.
How to get the best deal
- Buy online: Capture Coles’ 15% first‑year discount on new policies (T&Cs apply).
- Pick your value basis: Agreed value for payout certainty; market value to trim premiums.
- List all regular (and young) drivers: Avoid unlisted‑driver excess surprises.
- Right‑size your standard excess: Higher excess lowers premiums — keep it payable.
- Reduce risk signals: Secure garaging and anti‑theft can help pricing.
- Choose sensible wheels: Unmodified, non‑performance cars are cheaper for under‑25s.
- Check replacement criteria: Understand the 24 months/40,000 km write‑off rules before you buy.
Key takeaways and next steps
Under‑25s pay more, but you don’t have to overpay. The best results come from matching cover to your car’s value and how you drive, then stacking every saving you can control: online sign‑up deals, safe‑driver/ training discounts, month‑to‑month flexibility when cash is tight, agreed vs market value set sensibly, and listing every regular driver to avoid excess stacking. Prices vary widely by state, age and vehicle, so fresh quotes matter.
- Pick the right cover: CTP is mandatory; choose Third Party (TPPD/TPFT) for cheaper cars, or Comprehensive for better protection.
- Collect 3–5 quotes: Use identical details (drivers, excess, parking). Include a local club and a flexible month‑to‑month option.
- Audit excesses: Check standard, young, inexperienced and unlisted‑driver excesses; set a standard excess you can actually afford.
- List all drivers (incl. learners): Ensure the real main driver is the policyholder to avoid claim issues.
- Tune the value basis: Agreed value for payout certainty; market value to trim premiums. Pay annually if you can.
- Reduce risk signals: Secure garaging, alarms/immobilisers, no performance mods. Choose a sensible car.
Ready to price‑check your shortlist? Use the price‑beat guarantee and claims support at National Cover to lock in value without sacrificing protection.
