Young driver insurance

Young male driver at the wheel of a car.

Go box-free in just 2 years

If you buy our young driver black box insurance, we may offer you car insurance with no black box needed at your second renewal.

There must be a driver aged 24 or under on the policy.

Why choose us?

Courtesy car

When one of our approved repairers fixes your car after an insured event.

No night-time curfew

But driving between 10pm and 4am may affect your safe driving score.

Go box-free

We may offer you car insurance with no black box when you get your second renewal offer, subject to status.

Safe driving score

Your smartphone app will tell us if you have been driving safely. Your score is one of many factors that can increase or decrease your renewal price.

What journeys can you make

Everyday driving (social, domestic and pleasure)

Everyday driving is included in our Young Driver Policy.

Driving practice on a provisional licence

Driving practise on a provisional licence is included in our Young Driver Policy.

Going to work (commuting)


Using your car at work (business use). Some restrictions apply


Add optional extras to your young driver policy

You can buy extra cover when you buy your policy.

  • UK breakdown cover
  • motor legal expenses insurance

Find out more

Get a discount

We have some discounts that can help reduce the cost of your young driver policy:

  • no claim discount
  • named driver discount.

Find out more

How to pay

You can pay by direct debit over 12 months, or in 1 upfront annual payment with a credit or debit card.

If you pay by direct debit:

  • there’s a charge for credit of 32.9% APR (typical)
  • you need to pay a deposit of 20% of the annual premium
  • you must be 18 years old or older.

Get driving

You can drive your car straight away once your policy starts. You need to make sure your self-install blackbox is fitted in the vehicle within 14 days of the policy start date.

You do not need to wait for the black box to be fitted to your car.

We recommend that you visit your smartphone app as soon as you can.

We may ask you to upload a copy of proof of any no claim discount you’re claiming. If we do, you need to do this within 14 days of your policy start date.

There must be a driver aged 24 or under on the policy.

Black box fitting

When you buy your policy, your self-install black box will be sent in the post via Royal Mail including full instructions on how to fit the black box within your vehicle.

The black box must be fitted within 14 days of the start date of your policy.

Useful things to know:

  • the black box can track your car if it’s stolen
  • there’s no fee for the black box fitting.

Find out how the black box works

Check your driving score

You can keep track of your driving score by downloading your smartphone app:

It will help you to know which parts of your driving need to improve.

You'll find help about how to improve your score there too.

We calculate your score using data from the black box.

Go box-free

If you renew with us at the end of your second young driver policy year you may be able to:

  • graduate to our box-free policy
  • stay on our black box policy.

Because we’ve got two years of your driving data we can give you:

  • an exclusive price based on your safe driving score
  • at least 2 years’ no claim discount if you have not made a claim.

Make a young driver insurance claim

You can make a claim online or over the phone.

Let us know:

  • your name, address and policy number
  • if any damage was caused or any property was lost
  • if anyone was injured
  • where and when the incident happened
  • the other vehicle’s registration number
  • the other driver’s, name, address, telephone number and insurance details.

We need a Police crime reference number if:

  • your car has been stolen
  • your car has been damaged maliciously
  • the other driver did not stop and give their details.

Windscreen and glass claims

Use the Auto Windscreens website if your windscreen or window glass is damaged.

Auto Windscreens will take care of your claim. You can arrange a time online for the repairer to come.

There’s a £75 excess for replacement with no excess for a repair.

A windscreen or window glass claim will not affect your no claim discount.

^Call charges may apply. Calls may be monitored or recorded for security and training purposes.

Exclusions and limitations apply, please refer to policy documents for full details.

Co-op Young Driver Insurance is normally available to customers aged 17 to 75 years only. Applicants for insurance are subject to normal underwriting criteria.