If you’re buying a car for a younger driver, or are fed up of spending lots of money insuring your car, then check out some of the cars below. They’re all available with deals that include free insurance – typically for a year. This means that you can drive away without that extra hassle of having to sort out and pay for your own insurance.
Some of these offers require you to buy a car through a Personal Contract Purchase (PCP) finance agreement, which typically involve an initial deposit followed by a series of monthly payments. As with any type of finance agreement, you should carefully consider the terms of the contract before signing, and be sure you can afford the monthly repayments. Check out our personal contract purchase guide for further information, and use our PCP calculator to get an idea how much your car will cost each month.
Car insurance is a necessary evil for all UK drivers and, if you’re younger or less experienced behind the wheel, prices for cover can skyrocket. Fortunately, there are car manufacturers who sympathise by offering deals that pay for the cost of your insurance. Generally, these deals tend to cover the driver for the first year of ownership only but, for many, that will still represent a hefty discount.
Free insurance is a tool generally used to help get young drivers on the road more cheaply and easily. Car manufacturers hope that by encouraging customers to their brand – customers who might be buying their first ever car – that those buyers might consider their products in the future. It’s a win-win situation for buyers and dealers.
There are a small selection of cars offered with free insurance and the way the discount is applied varies from model to model. In some cases, the manufacturer applies a discount which will, in essence, cover your first year’s payment, while others will apply the discount to a finance deal. The cars in question tend to be small cars which offer a reduced insurance risk.
There is always certain criteria you’ll need to comply with in order to be eligible for free insurance. Generally, most deals require that you have held a licence for a certain period of time, that you fit within a certain age range and that you hold a clean driving licence. Some deals also require the installation of a ‘Black Box’ telematics recorder in your car to monitor your driving standards. The terms vary depending on the offer, so it’s worth delving into the terms and conditions before committing to anything.
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