Telematics key to reducing high claims rates among new drivers – Aviva

New drivers are more than twice as likely to make a claim as drivers with at least one year of experience, new research from insurer Aviva has found.

The figures – released today (15 June 2026) and representing claims submitted to Aviva between January 2023 and March 2025 – found that some 11% of newly qualified drivers lodged a claim in their first year on the roads.

Meanwhile, just 5% of drivers with one or more years of experience lodged a claim within the same time period.

Aviva suggested that telematics-based policies could provide an antidote to the higher incident rates among young drivers. Indeed, its research found that drivers receiving feedback and insights from telematics tracking saw a 50% reduction in collision claims over time, compared to 30% in non-telematics policies.

Virtual coaching

Owen Morris, chief executive for UK personal lines at Aviva, said: “Action needs to be taken to make our roads safer, not just for young drivers, but also vulnerable road users and other motorists who may be involved in accidents where a younger person is driving.

“The data shows there is an increased likelihood of accidents in the early stages of driving and telematics policies can help support new drivers in their highest-risk period.”

He continued: “By monitoring when, where and how people are driving, telematics can act as a virtual coach, providing advice on improving riskier behaviours, incentivising safer driving and helping to reduce premiums. Importantly, telematics can provide reassurance to young motorists and their families, particularly when they are driving alone or at night.

“While other measures, such as progressive licences, could improve driving in inexperienced motorists, we’d encourage the government to consider making telematics policies a legal requirement for young people during their first year of driving.”