Why does car insurance go up when you pass your test

Why does car insurance go up when you pass your test?

You pass the driving test to show how good you are and then suffer higher insurance premiums!

Let me explain why this is.

Why does car insurance go up when you pass your test?

The reason your insurance goes up after passing is because you can now legally drive a car on your own.

When you’re learning to drive you have an experienced driver next to you. They must be at least 21 years old and have held a full licence for at least 3 years.

After you pass your driving test you’re on your own with nobody there to help you.

Let’s have a look at some statistics for new drivers. These are not meant to scare you: it’s what insurance companies go by and they help to explain why your car insurance goes up after passing the test.

Why car insurance increases after you pass your test

These statistics make for some grim reading but don’t be scared. With the right training and practise you will be fine.

You’re more likely to crash than a drunk driver

New drivers are more likely to crash their car than an experienced driver who is over the drink drive limit.

That has always been a sobering fact for me (excuse the pun). To think that I could go out driving while drunk and be still safer than a new driver…it’s just crazy.

1 in 5 new drivers crashes in the first year

1 in 5 new drivers will be in a car crash within a year of passing their driving test.

That’s pretty disappointing for someone like me who spends their life promoting safe driving.

We are always doing more to lower this statistic but ultimately it comes down to what you do after you pass.

The main reason for all these crashes is simple a lack of experience. That’s why a minimum learning for driving lessons time is being considered and you could have to take a minimum of 120 hours of driving lessons before you can take your driving test.

You can read more statistics for new drivers on this page from Brake the road safety charity.

Now you know why car insurance go up when you pass your test

To discover more answers like this visit the pages in the menu which are under Help>why?

You’ll also enjoy reading my pages on why do driving instructors drive you home after your test? and why do driving instructors wave at each other?

Or you can watch some driving videos on the 1stDrive YouTube channel.