Driving down the cost of cover for young drivers.

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What is young driver insurance?

Our young driver insurance policies are built with young and new drivers in mind. We know that it’s your outlook on driving and the way you drive that make you a safer driver – not just the car you drive or where you live. And, we believe that safer drivers should pay less for car insurance. By partnering with MyPolicy, and using telematics technology, we reward safe driving while providing the cover you need at a price you can afford. It’s simple: the safer you drive, the more you’ll save!

What is a telematics smart box?

A telematics smart box, also known as a black box, is a small plug-in device that monitors your driving using telematics technology. It’s a great way to help you to drive smarter and prove you’re a safe driver, meaning lower premiums from the start and a cheaper renewal quote too. To find out more about how it works, check out our helpful video here.

Why choose Arnold Clark for your insurance?


Immediate cover

Get an online quote and you’ll be insured within minutes.

Mobile phone

24/7 support

Our dedicated team of professional claims advisers are available to give you support when you need it.


Flexible policy options

Add optional extras like breakdown cover and motor legal protection for added peace of mind.

What are the benefits of Young Driver Insurance?


No claims discount

Having your own policy means building your own no claims discount – and that means even more savings when it comes to renewing your policy.


GPS tracking

Trace your car to its last known location with the GPS tracking in your telematics smart box.


Online dashboard

Review your driving to become a better, safer driver, with helpful tips on how to improve smoothness, speed and usage.

Piggy bank

Cheaper renewal quote

If your telematics smart box tells us that you’re safe behind the wheel, we’ll aim to reward you with money off your renewal costs and mileage top-ups.

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for your quote

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Additional products

Boost your cover with our range of additional products designed to help you deal with everything from bumps and scrapes to breakdowns and misplaced keys.

Breakdown cover

Don’t get stranded. Get UK roadside assistance from £49 a year.

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Misplaced your keys? Cover your keys from loss or theft from £12 a year.

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SMART insurance

Protect your car from minor bumps, scrapes, or dents.

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Got a question about young driver insurance? See if we’ve answered it below, and if not, please don’t hesitate to contact us and let us know how we can help.

What information will the telematics smart box collect?

The device collects information about when the car is used, how far it travels and its location, as well as general driving behaviours such as speed, acceleration and braking. This information helps us generate your overall driving score which can be monitored through your online dashboard. The better your score, the more you’ll save.

Do I have to wait for the telematics smart box to be fitted before I can drive my car?

No. As soon as your insurance cover has started, you can drive your car. Your black box will then either be fitted through an organised appointment with our box company, or we’ll send your device in the post and you can fit it yourself.

Will my insurance premiums change throughout the year because I have a telematics smart box?

If you haven’t made any active changes to your policy, your insurance will remain the same throughout the year. With safe driving and management of your driving score, you could see extra discounts and lower prices when you renew your car insurance.

What happens if I speed?

Simply put, speeding is illegal and can result in large fines and points on your licence. You should always abide by the Highway Code, which is why your speed always factors into your overall driving score. Depending on the severity of the event and the impact it has on your journey score, speeding can lead to cancellation of your policy. Please refer to your terms and conditions for more information.

I can’t access my insurance documents, what should I do?

All of your insurance documents are sent through a secure vault system. You will be sent an email with a link and a PIN number to your mobile to access them. If you’ve forgotten your PIN number, you can have it resent to you through your emailed link. If you still don’t have any luck, please contact us and we can arrange them to be sent again.

How do I make a claim on my policy?

Our claims team is here to help you whenever you need us, with operators on hand 24 hours a day, 7 days a week. Just give us a ring and we’ll take you through the claims process.

Visit our claims section

Will my policy automatically renew?

No. When your insurance is due for renewal, you will receive an email from the renewal team with the price of the next year’s premium along with reminders. We do not automatically renew policies, so if you would like to ahead, just contact our customer service team.

How do I cancel my policy?

We don’t want to lose you as a customer but we do understand that there are circumstances where you might want to cancel your policy. To speak to one of the customer service team, please call 0330 100 2337. Or, you can download a cancellation form here and email it to

Get your quote

Get an online quote and you’ll be
insured within minutes.

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Looking for something different?

Not quite found what you’re looking for? We’ve got a range of other car insurance products to protect what’s important to you.