Read our review of the car insurance through MyFirstUK, which offers cover for new, young and convicted drivers.
MyFirstUK is a specialist car insurance broker that offers cover to high-risk drivers such as young, new and convicted drivers. It also offers policies for those learning to drive. Through its panel of insurers, the broker says it researches the market to find high-risk drivers adequate cover at the best rates available. Here’s what else you should know:
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Who is MyFirstUK?
MyFirstUK is a specialist insurance broker that offers car insurance for high-risk drivers such as young, new and convicted drivers.
It was created in 2013 specifically to help young people better understand car insurance and find suitable cover for their needs.
As well as car insurance, MyFirstUK offers van insurance and dash cam insurance.
What are MyFirstUK’s levels of cover?
Drivers in the UK are legally required to have at least third party cover and this is the minimum level of cover that MyFirstUK offers. If you’ve caused an accident, you’ll be covered for damage to third party vehicles or property. But it won’t cover any damage to your own car.
This will give you the same level of cover as third party but will also offer protection against any fire damage to your car or theft of your car.
This is the highest level of cover available. It offers the same protection as the other cover levels but you’ll also be insured against accidental damage and any vandalism to your car. It can occasionally be cheaper than third party, or TPFT, so it’s always worth checking.
What are MyFirstUK’s different policies?
- Car insurance
- Young driver car insurance
- Learner driver car insurance
- Student driver car insurance
- Convicted driver car insurance
- Van insurance
- Dash cam insurance
What is covered under each policy?
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people and property | ✓ | ✓ | ✓ |
| Fire and theft | ✓ | ✓ | |
| Accidental damage | ✓ |
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through MyFirstUK.
Check your policy details carefully to ensure you have the right cover for your needs.
Optional extras
The optional extras that may be available will depend on the insurer that is willing to offer car cover, but information about optional extras is not available on the MyFirstUK website.
What policy exclusions are there?
Your cover through MyFirstUK is likely to become invalid if any of the following arises:
- You fail to pay for your premium.
- You change your car during the policy term to a car that the insurer cannot cover.
- You do not provide the correct documents to support your application.
- Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
- Your car is used for rallies, races or competitions.
- You’re paid to carry passengers.
The insurer that offers you the policy through MyFirstUK may also have its own set of exclusions. Check your policy for further details to confirm your cover is valid at all times.
How do I make a claim?
There are no claims line details on the MyFirstUK website so if you need to make a claim, you should refer to your policy document and look for the correct procedure about how to make a claim.
Once you’ve located details about how to make a claim within your policy document, you’ll need to have all your personal details and all the facts about the incident to hand. You may also need to provide any photographic evidence you have to support your claim.
And it’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim.
What is my excess?
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
A compulsory excess amount might vary depending on the age of your car and your driving experience.
You’ll find details about any compulsory or voluntary excesses in your policy document.
MyFirstUK pros and cons
Pros
- Specialist broker for high-risk drivers such as young and convicted drivers
- Guides and tips available for young people
Cons
- No information about car insurance policy features on the MyFirstUK website
- No claims line details on the MyFirstUK website
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