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Why is car insurance so expensive for young drivers?

In this video, Richard explains why car insurance can be so expensive for young drivers and teenagers in particular.

Video transcript

"This is one of the questions we get asked the most, along with 'Why's it more expensive than my car?'

Well, to start with, many people are under the impression that insurance is just about covering the cost if their car is damaged or stolen. But that's only one of the many factors in calculating your insurance premium.

What also needs to be taken into consideration is the risk of causing damage to other cars on the road.

However, the biggest cost for insurers is paying out for serious crashes resulting in expensive claims for personal injury.

Young drivers have more crashes than older drivers, which means their insurance is more expensive. But that's traditional insurance, presuming all young drivers are a high risk.

What we're about is treating you as an individual, which means giving you the chance to prove you're a good driver."

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Luke Eales

By Luke Eales

Luke joined ingenie in 2011 and currently heads the marketing team. He passed his test aged 19, and his first car was a black Peugeot 206. You can follow Luke on Twitter and .

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ingenie is a car insurance brand for young drivers aged 17-25. We fit a black box in your car to assess your driving style. We'll review your policy 3 times a year and those who drive well could receive a discount.

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