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Protecting customers with insurance since 2001

Car insurance

Young driver insurance

with SMART WHEELS

Helping young drivers between 17-24 to stay safe.

Earn a bonus every three months for driving safely

Why choose our young driver insurance?

We'll reward you for driving safely

No fines or premium increases

We won't fine you or increase your premium in the first year of your policy based on your driving style score. However, if the black box identifies examples of poor driving, such as excessive speeding on multiple occasions or an unacceptable driving event, your policy may be cancelled.

No curfews or mileage limits

You’ll be able to drive when you want without risk of a fine but remember to think carefully. A good usage score indicates that you're being a safer driver. To get a good score you need to consider the time of day you drive, length of journey and number of journeys made within a 24 hour period.

Online dashboard and app

SMART WHEELS black box insurance allows you to monitor and adjust your driving, earning rewards to spend on the high street on a pre-paid card.

We reward you for safe driving

Your driving score could earn you a discount on your car insurance renewal when your policy comes to an end. By accessing your score via the online dashboard and app you can use the smart device to help you become a smarter and safer driver.

Watch SMART WHEELS in action

Find out how black box insurance can work for you to help you drive safely and earn rewards.

Join our smart young drivers earning rewards

The smart way to fast-forward your driving style

Person driving with telematics device.

What is young driver insurance?

SMART WHEELS Young driver’s insurance (also called black box insurance) is purpose built to help 17-24 year olds get more affordable car insurance.

When you join SMART WHEELS you join a team of young drivers who are earning rewards while enjoying safer and better motoring.

Once your black box is professionally fitted to your car, you’ll get a driving score that you can check using the online dashboard and app.

Find out more

Person driving at night.

The better you drive, the more you earn

Not everybody needs to improve their driving, but if they do, we’re on hand to provide tips. As your score improves, you'll earn rewards to spend on a pre-paid card.

At the end of your policy a good driving score could also mean a discount on your car insurance renewal. All you have to do is keep a check on your driving score using the online dashboard and app.

This will help lower your renewal premium (how much you would pay next year) allowing you to enjoy your newfound independence without the excessive costs.

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Why car insurance can be more expensive for young drivers

There are several reasons why insurance can be expensive for young drivers. As you take your first steps into the world of motoring understanding what they are will eventually help you to save money.

Your age

Statistically, young drivers are more likely to be involved in an accident than older drivers. When you’re learning to drive, inexperience can be a factor and accidents may occur.

The car you drive

An economical run-around is cheaper to insure than a 200mph supercar. Therefore, the engine size and the model you drive will have an impact on the amount your pay for insurance.

Your driving history

A driver with points on their license or one who has made multiple car insurance claims will naturally pay high premiums.

Annual mileage

You will be more of a risk if you’re a high mileage driver. Our SMART WHEELS limit is 25,000 miles per year.

How to save money on your car insurance

Tips for new drivers

Hands on the steering wheel.

Buy a nice car that's cheap to own

Aim to get a car that is in one of the lower insurance groups. Your first car doesn’t have to be boring. Neither does it have to be a hot rod.

Remember, you may be a great driver, but other drivers who own the same car may have had accidents that have raised its insurance group (risk level), making it costly for anyone to insure, especially 17-24 year olds. Choose your motor wisely.


Two people in red car.

Get insurance that works in the long run

Although we only provide comprehensive cover, don’t assume third party, fire and theft is a cheaper option.

While it may seem so in the short term, in the long run, if you have an accident and you are without a car, replacing it might be more expensive than simply taking out comprehensive insurance in the first place.

Check out our SMART WHEELS black box videos

Find out how you can drive safer, unlock rewards and potentially earn discounts on your car insurance renewal.

Two young people sitting on bonnet.

The cheapest cars to insure for young drivers

High performance cars with large engines are generally considered a greater risk to insure than cars with smaller engines and therefore are placed in a higher group. There are 50 groups in total ranging from: group 1 (e.g. Skoda Citigo SE – cheaper to insure) up to group 50 (e.g. Bentley Flying Spur – more expensive to insure).

Find out more about insurance groups and how they work