Hybrid insurance from learner to new driver

Combine learner and full licence cover and save up to £1,000*

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0330 113 1543
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What is hybrid insurance?

Hybrid learner insurance is a policy that gives you your freedom now and once you pass. It’s an annual policy that covers you on both your provisional licence and your full licence. Not only do you get consistent pricing across both licences, but you can start building your no claims bonus straight away. It’s pretty nifty, actually.

*Based on average cost of purchasing learner and new driver insurance separately.

No price increases

Know what you’re paying from provisional to full licence

Seamless cover

Practise, pass, and drive away on the same policy

Instant no claims

Grow your no claims bonus and start saving!

Types of hybrid driver insurance

There are three types of cover to choose from. Experts will assess what type suits you when your policy is set up.

Third party only

Covers you for injury caused to other people and damage caused to their property

Third party fire and theft

Like ‘third party only’ but adds cover in case your car is stolen or damaged by fire


The same as ‘third party fire and theft’ but also covers you for damage you do to your own car

cover type

Telematics that works for you

Hybrid insurance is a black box policy based on education.

No night-time curfews

Drive where you want, when you want

No quarterly reviews

Stay in control of your freedom

No automatic fines

Brake, corner, and accelerate with confidence

How it works


Speak with an expert

Get tailored advice from the first-time driver insurance specialists.


Learn and pass with confidence

Start driving straight away on your provisional licence.


Same policy, same price

Stay on the same cover after passing your test.

Hybrid insurance to get you on the road

  • No price increases from provisional to full license
  • Seamless cover for practising and passing
  • Grow your no claims bonus and start saving!

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Common questions

Can I change a policy?

Experts will tailor a policy to your needs. If your needs change during the policy, simply call your account manager and they'll help you update the policy.

Can I change car?

Firstly, congratulations! Secondly, just get in contact with your account manager and they can help you adjust your policy to reflect your new car insurance band.

What is telematics, exactly?

Telematics policies involve having a small, black box installed in your car. This box includes a GPS tracker which monitors your location, as well as an accelerometer that records your braking, cornering, and accelerating habits.

Can I take my driving test?

On hybrid insurance? Of course you can! You can even drive home when you pass, something learner insurance policies don’t usually cover.

Can I get hybrid insurance on someone else’s car?

Sure! As long as that car is already covered with annual insurance, you can add cover for when you’re driving it.

Is having two policies ‘dual cover’?

Not necessarily. Dual cover is when the same risk is insured twice on the same car. Adding your own cover on someone else’s car is two different risks, one for you and one for them.

What about temporary insurance?

Temporary insurance is high cost, short duration cover. It’s meant for experienced drivers who want to cover a few hours or a couple of days in someone else’s car.

Can I be the main driver?

Yes! In fact, you have to be: it’s your cover. You don’t have to be the main driver of the car, but you have to be the main driver of your insurance policy.

Can I take passengers?

You can take as many passengers as you car can legally carry. Just remember that on your provisional licence the front passenger has to be able to supervise your driving. After that, it’s up to you.