It might not seem fair that your insurance is so costly, especially for your first policy but we’ll explain why. All insurance quotes and premiums are based on risk. Your insurer assesses the chance of paying out for a claim and price your premium on this risk.
At 17, you have very little driving experience. Government statistics suggests that 1 in 5 young drivers are involved in an accident within the first 6 months of passing their test- that’s a lot of risk for insurers. Therefore, insurers will quote premiums based on the likely to cover the cost of more claims.
By installing our clever black box, we help you become a better and safer driver by sharing useful feedback with you. We base our quotes on your driving skills rather than the national average or statistical data for young people. This means cheaper car insurance for better drivers while helping you to understand and improve areas which you may need some development- nobody is perfect!
We trust young drivers to drive safely so we continue to offer our lowest premiums at the start of their policy, rather than offer cashback later on. Drivers who continually drive dangerously in their own car may be charged an additional premium as they’re more likely to be involved in an accident. Thankfully, over 90% of Marmalade customers aren’t affected.
You and your named drivers can check how you’re driving on our driving portal and app.
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