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Learner driver insurance

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What's learner driver insurance?

Sometimes called provisional driver insurance, it’s insurance for people learning to drive, either in their own car, or in a family member or friend’s car.

It lets you get extra driving practice outside of your lessons with an approved driving instructor.

You can take out either an annual learner driver policy or opt for short-term cover.

Short-term learner driver insurance can last a day, a week, a month or even longer, depending on the insurance provider. Taking out a short-term car insurance policy can be handy if you want to get in some more hours of practice just before your test, for example.  

Car insurance for learner drivers

Do learner drivers need car insurance?

When you’re learning to drive, you’ll need insurance in place.

If you’re learning with a professional instructor, then car insurance will be arranged by them and the cost included in your driving lesson fees, so you don’t need to worry about it.

But if you’re learning or practising in your own - or someone else’s - car in between lessons, then you’ll need to get insurance.

If you’re practising in your own car, you’ll need to take out your own learner driver insurance policy. In some cases, your parent or spouse can be added as a named driver for free.

If you’re driving in someone else’s car - a parent or friend’s for example - you either need to:

Be added to the car owner’s insurance policy as a learner

This can be an expensive option and, if you have an accident and need to make a claim, it can affect the main policyholder’s no-claims discount (NCD).

Or:

Take out your own learner driver policy

This will sit alongside, but be separate from, the car owner’s motor insurance. So, if you have an accident, you can claim on the learner driver policy, meaning there’s no risk to the main owner’s NCD.

How long will it take to learn to drive?

There’s no minimum amount of lessons you need to take, or hours you need to practice, before taking your test.

But according to the Driver and Vehicle Standards Agency (DVSA), it takes most people 45 hours of lessons, plus 22 hours of practising to learn to drive and pass the driving test.

Its data also shows 51% of people passed their driving test on their first attempt between March 2020 and March 2021.

Studies also show that getting plenty of extra supervised practice in between lessons with an instructor can help you pass earlier.

This sort of practice gives you the opportunity to drive in a variety of different weather conditions, on different types of roads, and when it’s dark - all of which can help you become a more confident driver.

The friend or family member supervising your driving needs to be:

  • Over 21 (though some insurance companies stipulate the supervising driver needs to be over 25)
  • In possession of a full driving licence for at least three years
  • Qualified to drive the type of car you’re learning in - for example they must have a manual licence if you’re using a manual car

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excess cover for car

What does learner driver insurance cover?

Check your policy for what’s included and what extra protection can be purchased as an add-on. Look out for:

  • Legal liability or legal expenses cover - pays for legal costs if you’re involved in an accident that wasn’t your fault
  • Damage to the car owner’s vehicle
  • Personal accident cover - covers you and passengers for loss, damage or injury as the result of a road traffic accident
  • Medical expenses cover
  • Personal belongings cover

What’s not covered?

It depends on the policy, but exclusions might include:

  • Cover for loss or damage which occurs between midnight and 6am when the policyholder isn’t the registered keeper of the car
  • Cover while driving abroad

Am I eligible for learner driver insurance?

You’ll need to check with your insurer, but in general, to be eligible for learner driver insurance the following apply:

  • Driver requirements

    • You have a current provisional licence
    • You’re a permanent UK resident aged between 17 and 35
    • You have no motoring offences or convictions
  • Vehicle requirements

    • The vehicle must be UK registered with a current MOT and no modifications
    • The car isn’t worth more than a certain amount

How much is learner driver insurance?

It depends on a range of things, such as the age of the learner driver, as well as the type and age of vehicle they’ll be driving.

What details do I need to get a quote?

Usually you just need to provide your:

  • Name
  • Provisional driving licence number
  • UK address
  • Date of birth
  • Vehicle information (including the registered keeper’s details)

How can I get a cheaper learner driver insurance quote?

It’s best to compare policies to find the policy that suits your needs and budget. Generally, you’ll find that cheaper, less powerful cars are less expensive to insure.

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[1]Gocompare.com introduces you to Collingwood to provide learner driver insurance quotes. Collingwood is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Collingwood is limited to that of a business partnership, no common ownership or control rights exist between us