How I Got Cheap Car Insurance At 18 Years Old

Summary

The presenter describes ways he reduced UK car-insurance premiums as a young driver. At 18, with one year of no-claims bonus, he says he insured a 225-hp Audi TT Quattro for £1,400 a year—less than quotes he received for his Volkswagen Polo. His first year driving the Polo cost about £3,000, including a black box, and a second-year quote was £2,000.

His main point is that premiums depend not only on the car, but also on when a policy starts, how the driver’s occupation is recorded, who else is named on the policy, and how insurers price particular models based on risk.

Tactics and framework

• Set the start date ahead of time: The presenter says buying roughly three weeks ahead saved him £500 compared with starting the policy immediately. In his online-quote demonstration, moving the start date from the same day to a month later also reduced prices.
• Call the insurer: His Audi quote was £1,600 online; after calling, the insurer offered a £200 reduction without changing the policy. He suggests calling the cheapest provider, though some online-only insurers may not offer phone support.
• Consider an additional driver: He says adding an eligible parent or grandparent with a clean record may lower the premium. The additional driver must be eligible and accurately represented on the policy.
• Use an accurate occupation title: He changed “administration assistant” to “administrator,” which he says describes the same work and reduced his premium by £150. In the demonstration, changing the title reduced a quote by another £400. He explicitly says not to lie about details.
• Compare different car models: He argues that commonly chosen small cars can be expensive to insure when many young drivers claim on them. Some older, more powerful models may have lower premiums if insurers price them differently based on their typical drivers and claims history.
• Compare quotes and dates: He recommends comparing providers and notes that premiums can change from one month to another.

Quote demonstration and key figures

For an illustrative first-car quote, the presenter used a Volkswagen Polo, 10,000 miles per year, a driver aged 17, and a same-day policy start. The initial cheapest quote shown was £10,838.77. Changing the start date to a month later produced a general quote of about £9,500; a Quote Me Happy result was then shown at £3,700. Changing the occupation title reduced that figure by £400, to £3,300.

These figures are presented as an example, not as a controlled comparison across identical providers and quote conditions. The presenter notes that insurance prices vary over time.

Cars and providers mentioned

Cars: Audi TT Quattro (225 hp); Volkswagen Polo, including a 1.9 TDI; Vauxhall Corsa; Renault Clio; Ford Fiesta; Porsche Boxster; Jaguar XJR; Mercedes S-Class.

Insurance and comparison services: Compare the Market, Quote Me Happy, First Central.

Cautions and disclosures

• The presenter warns against lying on insurance applications. Any occupation description should accurately reflect the driver’s work.
• An added driver needs a valid licence and must be properly included on the policy.
• He describes UK car insurance as expensive and notes that prices fluctuate.
• No explicit “not financial advice” disclaimer appears. The video concerns insurance premiums, not investment products or securities.

Presenter/source: MrHarvey, who says he works in an insurance agency.