This type of car insurance is made for drivers who are on a provisional licence, so you can get some much-needed practice in between lessons! It’s short-term, flexible and can be used on someone else’s car without affecting their cover or their no claims bonus.
Customised policies from 30 days to 3 months
Specialist learner policies mean you only pay for what you need
Take to the road and sharpen your skills between lessons
There are three types of cover to choose from. Experts will assess what type suits you when your policy is set up.
Covers you for injury caused to other people and damage caused to their property
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
Get tailored advice from the first-time driver insurance specialists.
Get a great policy based on your needs.
You can drive with confidence without curfews.
It’s usually more cost-effective to add insurance to a friend or relative’s car than to your own. This insurance will be comprehensive too, meaning you’re covered no matter what happens.
Taking a policy that includes a black box or a dashboard camera can really reduce your premium. Both devices give you the chance to prove you’re a good driver.
These policies insure you while you have your provisional licence and you keep the same insurance when you pass. Not only can you build your no claims bonus when you start learning, but there’s no price hike when you pass your test.
If you’re insuring your own car, adding an experienced driver to your policy could reduce your premium. Just make sure they’re not listed as the main driver. That’s called ‘fronting’ and could lead to your policy being cancelled or a claim being refused.
Some policies allow you to build your no claims bonus as soon as you start learning. That means you could start making significant savings after the first year of your policy. These policies can also protect the no claims bonus of the car’s owner if you don’t have your own car.
You don’t have to worry about insurance during driving lessons as you’ll be covered on your instructor’s insurance. But if you want to practise outside of lessons you’ll need learner insurance. The DVSA recommends 22 hours of extra practice as a minimum.
When you practise you have to be supervised by someone who is over 21, qualified to drive the type of car you want to learn in, and has had their full driving licence for 3 years. Their licence has to be from the European Union or the European Economic Area. If not, the fine for you can be up to £1000 and 6 points on your licence. Ouch!
Because learner insurance policies are generally used for a short period of time, they are usually unable to be changed. It’s expected learners will see out their policy until they pass their test and then choose a different policy to suit their needs. Hybrid insurance is different in that it’s an annual policy which extends from your provisional licence to your full licence.
The premium on a learner insurance policy is based on the type of car the driver will be using. This means the policy is for that car only.
Telematics policies use a ‘black box’ which features GPS tracking and an accelerometer. These track the type of road you are on and your braking, cornering and accelerating habits which insurers may use to punish or educate you. Dashboard cameras capture video that can help you prove your innocence if you’re involved in an accident caused by someone else.
Of course! As long as you’re on your provisional licence you can use your learner insurance. If you pass your test however, you won’t be able to use your learner policy to drive home. This is why hybrid insurance is so attractive.
If the car you want to drive doesn’t belong to you, learner insurance policies typically need it to already be covered by an annual policy.
No. Dual Cover is when you have two policies covering the same risk on the same vehicle. Adding learner insurance on someone else’s car is two different covers for two different risks: one for the owner, and one for the learner.
Temporary or short-term car insurance is generally designed for fully-licenced drivers who are borrowing or sharing a car for very short periods of time. Learning to drive takes a considerable amount of practice, so dedicated learner policies are a great option.
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.
Yes. Learner drivers can take as many passengers as the car can legally hold. Your supervising driver has to be in the front passenger seat, however.
Yes. It’s illegal for anyone to drive a car without insurance that specifically covers them in that car. You’ll either need to be added to your parents’ cover or better still, get learner driver insurance for yourself on that car.