First Time Driver Insurance
Policies from under £250*
Better prices for better drivers - we reward your care and attention!
Highly experienced UK advisors
Insurance you can trust
FCA Authorised and Regulated
Apricot, and all the insurers on our panel, are fully FCA authorised and regulated.
Friendly UK Customer Service
Our friendly UK team has over 35 years combined experience in car insurance.
Online Quotes
Get a quote online in minutes. Buy online or over the phone.
Policies to Suit Your Needs
Add options such as legal expenses cover, breakdown cover, etc.
Protected by FSCS
All policies are covered by the Financial Services Compensation Scheme for your peace of mind.
Proud BIBA Members
Established members of the British Insurance Brokers Association.
First Time Driver Insurance NI
Whatever your age, location or the car you drive, shopping around to find the best car insurance can feel like hard work. If you are looking for car insurance, Belfast and other Northern Ireland drivers can turn to Apricot. We compare car insurance NI quotes from the leading UK insurers to find the best quote for you. Apricot will help you avoid overpaying for car insurance while ensuring you get the right coverage that best suits your needs.
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What our customers say about Apricot Insurance
P Markey
Northern Ireland
“My household claim was settled promptly and to my total satisfaction, thank you for all your help.”
C Montgomery
Lisburn, Northern Ireland
“I have bought my car insurance from Apricot Insurance for the last few years – their staff are always friendly and easy to deal with.”
D Adams
Northern Ireland
“I am delighted that you could place my van insurance as I was having difficulty with other brokers. The premium was the best in the market and your attention to detail and friendly approach made it easy for me.”
Compare First Time Driver Insurance with Apricot Insurance
Getting behind the wheel for the first time is a major milestone—but finding affordable insurance as a new driver can be a challenge. That’s where Apricot Insurance comes in. We make it easy to compare first time driver insurance from a wide panel of trusted UK insurers, helping you find cover that fits your needs and your budget.
Why Is First Time Driver Insurance More Expensive?
Insurance premiums for first-time drivers are typically higher because insurers consider them higher risk due to lack of driving experience. Statistically, new drivers are more likely to be involved in an accident, which means insurers charge more to offset that risk. However, by comparing policies, you can find competitive prices and even policies tailored to new drivers.
What Does First Time Driver Insurance Cover?
Just like standard policies, first time driver insurance can be purchased at different levels of cover:
Third Party Only: The legal minimum in the UK, covering damage to other vehicles or people.
Third Party, Fire and Theft: Adds protection if your car is stolen or damaged by fire.
Comprehensive: Offers the most protection, including damage to your own vehicle, regardless of fault.
While third party might seem like the cheapest option, it’s worth comparing comprehensive quotes too—they can often be more cost-effective and offer better overall value.
How to Reduce Your Premium
There are a few smart ways to lower the cost of first time driver insurance:
✔️ Choose a car in a low insurance group
✔️ Consider a telematics (black box) policy
✔️ Increase your voluntary excess (if you can afford it)
✔️ Add an experienced named driver
✔️ Limit your annual mileage
Compare with Apricot Insurance
At Apricot Insurance, we simplify the process of finding the best policy. Our easy-to-use comparison tool lets you input your details once and see a variety of quotes tailored to you. Whether you’re a young driver or just passed your test later in life, we’ll help you compare first time driver insurance to find the right balance of cover and cost.
Start your journey on the road with confidence—compare quotes today with Apricot Insurance.