Young driver insurance

What you need to understand and agree to should you purchase a policy

• You agree to:

  • Fit a self-install Smartbox within your vehicle
  • Upload a photo of the Smartbox once installed within the vehicle
  • Download the Co-op Smartphone App

  Find out more about Smartbox

• Driving at dangerous times

  If you regularly drive between the hours of 10pm and 4am, your safe driving score may be negatively affected, as our data shows that the worst road traffic accidents are more likely to happen at this time.

• We'll cancel your policy before it ends if you consistently drive dangerously or at excessive speeds

  If this happens you may find it difficult to get cover elsewhere as a result.

• We won't insure you to drive any other cars

  Our Young driver insurance only covers you and any named drivers to drive the car covered on your policy. You won't have insurance to drive any other cars.

• Changing your car

  If you change your car before the policy end date, a charge will apply to get your self-install Smartbox set up in your new car. Refer to our Terms of Business Agreement for more information.

Our assumptions

To enable us to provide you with a quotation the following assumptions have been made about you and your car. Please read these assumptions and confirm that you agree to them.

All drivers of the car, including you

• are UK residents and have been residents in the UK for at least the last 3 years
• have not previously had car insurance cancelled, declined, declared void or had special terms imposed
• do not have any unspent non-motoring convictions
• do not have any disability or medical condition requiring notification to the DVLA that has not been reported.

The car

• will not be used for professional driving tuition, motor trade purposes, hiring, racing, rallies, competitions, 'track days' or trials
• has not been imported and is not a left hand drive model
• has not been registered with a Q plate.