Learner driver insurance doesn’t have to be as expensive as you might expect, and many car insurance providers have special policies to help you make the most of your time on the road. Choosing which learner driver insurance policy is the best for you can be a little confusing, so we’ve created a guide to help you get the best deal.
Why do I need learner driver insurance?
One of the first things you’ll need to do before you can get on the road with mum and dad is to get yourself set up and ready to drive the car you’ll be practising in. Whilst you don’t have to worry about getting yourself insured in your instructor’s car during your driving lessons, you will have to make sure you’ve got the correct level of cover to drive in the car that you plan to do your private practice sessions in.
Just like all qualified drivers in the UK, you need to make sure that you’re insured to drive the vehicle you’re practising in. Although your supervising driver will be the one in charge of the vehicle, their car insurance will not cover you to be behind the wheel, so getting insurance of your own is crucial.
What level of cover do I need?
There are different levels of cover when it comes to car insurance:
- Third Party – Third party is the most basic level of cover and is the minimum cover you can legally have. If you’re insured third party, your insurance company will pay for damage to another person’s property or any compensation costs covering injuries sustained by another person, because of the insured driver.
- Third Party Fire and Theft – Third party fire and theft offers the same level of cover as Third Party insurance, but you will also be protected if your vehicle is set alight or stolen.
- Fully Comprehensive – This is the most inclusive level of cover. If you have comprehensive car insurance you will be covered for damage to both yours and others’ vehicles as a result of a range of causes, including accidents, fire and theft.
It’s a good idea to get comprehensive insurance as a learner driver to make sure you’re fully covered for your private practice sessions, but you should compare prices and cover levels to work out which one will suit you best.
How long is a learner driver insurance policy?
Many insurance companies who offer learner driver insurance will allow you to choose short-term insurance policies. Cover durations vary depending on the provider you choose. You can find companies which offer a month on month top up insurance, you can even find daily insurance cover.
Whichever provider you choose, make sure you and the vehicle you’re driving are fully covered so you can practise safely until your heart’s content, or until your supervising driver has had enough!
How do I find the best price on learner driver insurance?
It’s a good idea to shop around when trying to find the best insurance policy. Use a comparison tool like Confused.com to find the very best prices available on learner driver insurance policies.
Remember to check the policy documents before buying and think about how long you’ll need to be insured for. Consider whether a short time or annual policy is the best option for you, and find out whether there will be any hidden implications for the car owner.