The smartphone app is your view of how safe you are driving and whether you are on target for a safer driving discount. It is also where we will send any driving alerts or events.
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If you have our young driver insurance, visit your account to:
If you want to make a change to your policy, please call 0333 009 6702^.
Let us know you're changing your car. Get in touch on 0333 009 6702^.
There's an additional charge to issue a new cradle or smartbox (if applicable).
You can make a change by calling our enquiry line on 0333 009 6702^.
There are no mileage limits with our young driver insurance. Should you exceed your declared mileage a top up will be required.
None of our policies, including our young driver insurance, have a curfew.
With young driver insurance, we can track your driving and give you an overall safer driving score. Drivers with good scores may get discounts based on:
Night-time driving is considered more dangerous because this is when the worst accidents happen.
Driving a lot between 10pm - 4am may affect your safer driving score.
Yes, you can cancel your young driver insurance at any time. Administration fees apply, depending on when you decide to cancel.
Yes. Our young driver insurance is perfect for learner drivers who need insurance as they can track their performance using their smartphone app.
You can get a discount of up to 22.5% of your remaining premium if you score well on your safer driving score. This score is reviewed every 90 days and calculated based on the four safe driving parameters:
Your policy will be invited for renewal 3-4 weeks prior to your renewal date. We'll use your driving scores to help us calculate your renewal premium.
Your young driver insurance quote was emailed to the address you used when you got your quote. This email contains a link so you can make changes to your quote or buy your policy.
Yes, there can be an additional three named drivers on the policy.
Yes, although our Young Driver Insurance is primarily aimed at drivers aged between 17 and 24, you can take out a policy if you're 25 or over, we can insure drivers up to 75 yrs old.
Young driver insurance is only available within mainland Great Britain. Also, there are some postcodes in Scotland where it isn't available - these are: GY1 - GY9, JE1 - JE4, PA72 - PA78, KA27, TR21, TR25, ZE1 - ZE3, HS1 - HS9, IM1 - IM9,IV1 - IV28, IV30 - IV36, IV40 - IV49, IV51 - IV56, IV63, KW1 - KW3, KW5 - KW17,PA1 - PA7, PA10 - PA38, PA41 - PA49, PA60 - PA71.
In addition to the Standard Excess, a Young Driver Excess (dependent on age), Inexperienced Driver Excess (for drivers aged over 25 who have held a full licence for less than 12 months) and Voluntary Excess may apply. Visit our excesses page for full details.
Your young driver insurance documents are stored in your account. These can be downloaded or printed. If you want us to send you a hard copy of your young driver insurance document get in touch on 0333 009 6702^.
ThingCo is an independent company who we have appointed to:
For details about how ThingCo use the smartbox data visit their website.
No, the smartbox system can’t tell who is driving the car.
No, young driver insurance can start as soon as you want, however you must have the smartbox installed within 14 days of the start date of your policy.
The smartbox is owned by Markerstudy Group.
The Smartbox is a self-install solar power device which fits to your windscreen and can be fitted to all cars.
Once a smartbox has been installed it will start to monitor the car immediately. Your reports will feed through to your smartphone app on a daily basis.
Yes. We might increase your young driver insurance premium if you continually demonstrate poor driving behaviour. You can see whether this will happen via your smartphone app.
We'll also send regular alerts to let you know if you're likely to see an increase in your premium. The maximum premium increase applicable is 20% of your annual premium.
Learn more about how Co-op Young Driver Insurance handles your data.
Your self-installed smartbox will be sent in the post via Royal Mail and must be installed in the vehicle within 14 days of your policy start date.
You must upload any documents if requested through your account within 14 days of the policy start date:
Once the smartbox is installed it will immediately start to measure your driving.
You can then start to track how you're driving by logging into your smartphone app.
We take into account the safer driving discount you got at the end of the year when calculating your renewal premium.
We then continue to review your driving scores every 90 days as before from your renewal date.
No, but breaking the speed limit could lead to your premium cost increasing or your policy being cancelled.
Yes, the smartbox measures how the vehicle is being driven and measures whoever drives the vehicle.
There's no charge for installing the smartbox as it's a self-installed device.
However if you change your car, a charge may apply for a new smartbox if required and cradle to install the device in your new vehicle.
Your price will be reviewed every 90 days. Your smartphone app will tell you whether you're on course for a discount or an increase in price. The dashboard will give tips and advice on what to do if it's looking like you'll be getting an increase in premium.
The safer driver discount is a discount to your premium when you drive safely and drive during safer times of the day (4am - 10pm).
If you've paid annually by credit/debit card, the additional charge will be taken from the credit/debit card you used when you bought the policy.
If you pay monthly by direct debit, we'll increase your future monthly payments. In both instances we'll inform you of the additional amount in your premium review every 90 days, and let you know when the extra premium will be taken.
If you've paid for young driver insurance annually by credit/debit card your discount will be credited back to your card or bank account. If you pay monthly we'll reduce your future monthly payments.
Once the smartbox has been installed, it needs to remain in the car for the life of the policy, however as this is a self-install smartbox it can be removed by yourself if you are changing your car or when the policy has ended.
The smartbox is about the size of a mobile phone, and is made of black plastic.
The safer driving discount is calculated using the data supplied by the smartbox. We measure the following safe driving parameters:
Young driver breakdown cover is provided by RAC.
Occasional instances of sudden braking shouldn't affect the premium as the safer driving score is calculated on driving patterns over a period of time and blocks, not individual events.
We understand there will be times when you have to brake suddenly or accelerate out of a sticky situation.
The UK left the EU on 31 January 2020 and an agreement with the EU has been reached which means that Green Cards will be required as proof of insurance when driving in the EU and EEA.
You will need to carry a Green Card when driving in the EU and EEA. Those who travel without one may be breaking the law and may not be allowed to drive in the country they are visiting.
Vehicles towing a trailer or caravan will also need a separate Green Card for the trailer or caravan.
In addition to a Green Card, you will need to take your driving licence and V5C log book with you and display a GB sticker on your vehicle.
You may also need an International Driving Permit to drive in some EU/EEA countries.
For more information on driving abroad and any required documentation, please review the following websites:
Yes, we can provide insurance for under-25s. Choose from: