As many first cars will be bought as Christmas presents, a young racing driver is urging teenagers to steer away from comparison sites when it comes to insurance.

18 year old Teddy Wilson from Rutland, a former Cadet Karting Champion who’s been racing in the USA’s Formula 4 for the last two seasons, is raising awareness that young drivers can often find much cheaper deals by approaching insurance companies directly. That’s because many comparison sites charge insurers commission to highlight their products, and this cost is passed on to the consumer.

Teddy passed his driving test soon after he turned 17 last year and found the most reasonable quote by calling a well known car insurance provider. There are also companies which specialise in offering insurance to students or younger drivers and these rates aren’t always available on comparison sites.

Teddy commented: “I’m passionate about helping young drivers because the high costs mean having your own car is out of reach for some, severely limiting job prospects, and the Pass Plus Test doesn’t seem to be having any significant impact on insurance premiums. Having a black box telematic system in your car is another option but any curfew and mileage restrictions are prohibitive, especially for someone who travels for work. Approaching car insurers directly is the best route in my experience, and discounts are often available if other drivers in your household are with the same company.”


Many insurance providers also offer lower premiums to under 25s who are named drivers on a parent’s car, and they can then build up a no claims discount to eventually transfer to their own policy.

Teddy cannot be a named driver and is unable to install a black box to help lower his premiums because of the mileage he clocks up while driving to race tracks. He came 8th in this year’s F4 US Championship, despite completing only 8 of the 17 races due to budget restrictions, and he was shortlisted for the Aston Martin Autosport BRDC Young Driver of the Year 2019.

Teddy is seeking corporate partners to join his racing journey from 2020 and beyond. For more information, please visit