At AXA NI, we understand that as a young driver you may incur higher car insurance premiums compared to people over a certain age with more driving experience. To help solve this, we offer a dedicated Young Driver Insurance for those aged up to 24 years old, which provides our drivers with a wide range of benefits.
What are the benefits of a Young Driver Insurance policy?
AXA’s Young Driver Car Insurance offers a competitive package of benefits which will help you start your driving experience in an easy and stress-free way.
We offer our young drivers a no-claims discount for each year they are claim-free and after each one of those years, your premium will have a discount applied. Then, when you are 5 years claim-free we will offer you a 75% discount on your policy.
What Types of Car Insurance Are Available?
When searching for the most suitable policy for car insurance in NI, it is helpful to understand the different levels of car insurance cover on offer.
AXA Third Party Car Insurance
AXA’s Third-Party Cover is our entry level of car insurance. It covers everything that you are required to have by law. It protects you, against any liability in the event of an unexpected accident in which you injure a third party or cause damage to their car.
AXA Third Party, Fire & Theft Car Insurance
One step up is Third Party Fire & Theft cover. This offers the standard insurance that is covered by the Third Party Only cover, with additional cover for your car in the event of a fire or theft.
AXA Comprehensive Car Insurance
Our most complete level of car insurance for young or learner drivers is Comprehensive cover. This provides you with cover for all that is offered in the previous two insurance policies mentioned above but extends even further to cover you and your vehicle.
Does Named Driver Experience Impact My Policy?
If it is your first time taking out your own car insurance policy, having named driver experience can help lower the cost. AXA offers all first-time drivers a discount on their insurance if they have named drivers’ experience. You can qualify for named driver experience if you have previously been named on someone else’s insurance policy and are claims free. Terms and conditions apply, please check your policy documents for further details.
Does AXA provide Learner Driver Insurance?
Yes, we do! It is vital for new drivers with no experience to have car insurance that provides extra coverage while getting practice behind the wheel, and it’s a great way to build up your no-claims bonus before passing your driving test. We offer new learner drivers the same insurance options as young or experienced drivers: Comprehensive, Third Party, Fire & Theft, or Third Party Only.
Does Young Driver Insurance cover my car and belongings?
If you have a Comprehensive or a Third Party Fire and Theft policy both your car and your personal belongings are protected.
If your car gets damaged as a consequence of an accident, and you have comprehensive cover, AXA will offer you a replacement car until your vehicle is repaired.
Also, if your personal belongings inside your car are lost or damaged in the event of accidental damage, fire or theft, you will receive up to £450 to compensate for the loss. In addition to this, if your car is stolen, AXA will provide you with up to £450 cover for your personal belongings. Check your policy documents for full cover details.
How do I get a Young Driver Insurance Quote?
It’s simple - you can get a quote online in just a matter of minutes, or if you prefer, call us to speak to an AXA NI customer agent who can help you find the best car insurance to suit your needs.
