Learner Driver Insurance
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Why Compare Learner Driver Insurance at SimplyQuote.co.uk?
Finding car insurance at any age can be tough. It’s time-consuming, overwhelming, and stressful.
But having to search for learner driver insurance on top of learning how to drive and familiarising yourself with road rules and regulations can be even more stressful.
That’s why SimplyQuote, in partnership with Quotezone, offers a 100% free, online comparison tool – designed to take the hassle and stress out of comparing multiple car insurance quotes. Simply enter a few basic details, click “compare,” and you’re ready to go.
Finding a cheaper learner driver insurance policy could not be simpler!
What Do You Need To Get A Quote?
Learner drivers need to provide the following info to get an insurance quote:
- Personal details – name, surname, age, UK address, valid provisional licence
- Vehicle details – make, model, registration number, name of vehicle owner
- Policy details – the type of cover you want
- Insurance details – driving and claims history
To avoid confusion, insurance for learner drivers is also called:
- Learner insurance
- Learner insurance cover
- Provisional driver insurance
- Provisional insurance
Why Do You Need Learner Driver Insurance?
Every driver needs car insurance to legally drive on UK roads – those learning to drive are no exception. Provisional car insurance allows learner drivers who are using a friend’s or family member’s car to practise for their driving test while under supervision.
This means that the car owner’s no-claims bonus or no-claims discount (NCD) is protected, even if you have a little mishap while driving.
While most driving schools include learner driver insurance within their lessons, you might consider getting your own insurance to practise in your own time.
Who Is Eligible For Learner Driver Insurance?
Here’s the breakdown of learner car insurance eligibility and vehicle requirements:
| Category | Requirements |
|---|---|
| Driver Requirements | – Must be a provisional licence holder aged between 17 and 34. – Must be a permanent UK resident. – No penalty points or motoring offences/driving convictions. – Learning to drive using a friend or family member’s car. – Practising for your driving test. |
| Vehicle Requirements | – Must be registered in the UK. – Have a current market value of less than £40,000. – Have no more than seven seats (including the driver’s seat). – No modifications. – Is not a hire or rental vehicle (or used for hire and reward purposes). |
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What Does Learner Driver Insurance Cover?
A typical learner driver insurance policy covers:
- Third-party liability – should you knock over a pedestrian or damage third-party vehicles/property while driving.
- Accidental damage, including fire damage.
- Breakdown cover
- Legal expenses
- Medical expenses – if you/a passenger/third party person is injured.
- Malicious damage, like vandalism.
- Theft
Are there any exclusions?
- Normal wear and tear on the vehicle like brake pads and tyres.
- Driving under the influence of drugs/alcohol.
- Driving without a qualified driver.
- Intentional damage caused by the driver (to claim insurance payout).
- Costs incurred due to negligence – e.g. leaving the doors unlocked and the vehicle stolen.
Most learner driver insurance policies come with restrictions, such as:
- When and where you can drive.
- Mileage limitations.
- Learner driver insurance expires when you pass your driving test, so you’ll need to arrange a lift home from the test centre.
What Types Of Learner Driver Insurance Are Available?
There are two main types of learner insurance in the UK:
- Short-term cover – offers temporary/flexible learner driver insurance, usually charged per day, week, or month.
- Annual cover – long-term insurance for the whole year.
Based on recommended timeframes from the Driving and Vehicle Standards Agency (DVLA), it takes, on average, around 45 hours of professional instruction and 22 hours of private practice to learn how to drive. This gives you a better indication of the type of insurance you’ll need.
What Levels Of Learner Insurance Can You Get?
Insurance for learner drivers has three options, much like regular UK car insurance:
| Level of Cover | Description |
|---|---|
| Third-Party Only (TPO) | – Lowest level of cover. – Covers third-party liabilities (injury/damage to persons or property/vehicles). – Does not cover personal expenses or vehicle repairs. |
| Third-Party, Fire and Theft (TPFT) | – Medium level of cover. – Includes TPO. – Covers damage by fire or theft of the vehicle. – Does not cover personal expenses or vehicle repairs. |
| Fully Comprehensive | – Highest level of cover. – Includes TPO and TPFT. – Covers vehicle repair/replacement costs, legal expenses, and medical bills in an accident. – May include additional breakdown, misfuelling, and lost key cover. |
What Add-Ons Are Available For Learner Driver Insurance?
Here are your options if you want a tad more cover on your policy:
- Breakdown cover
- Roadside assistance cover
- Extended personal accident cover
- EU/international cover
- Personal belongings cover
- Windscreen cover – available for lower-level policies
- Misfuelling cover – available for lower-level policies
- Key/lock cover – available for lower-level policies
How Much Is Learner Driver Insurance In The UK?
Learner driver cover starts from around £17.47 per day. Pricing varies based on your insurance provider and which learner insurance policy you opt for, such as:
- Temporary learner driver insurance
- Annual learner driver insurance
| Type of Insurance | Duration | Price |
|---|---|---|
| Short-term Car Insurance | Daily Learner Insurance | |
| 1 day | £17.47 | |
| 2 days | £20.97 | |
| 3 days | £24.44 | |
| 6 days | £34.14 | |
| Short-term Car Insurance | Weekly Learner Insurance | |
| 1 week | £33.64 | |
| 2 weeks | £43.28 | |
| 3 weeks | £52.66 | |
| Long-term Car Insurance | ||
| 1 month | £71.44 | |
| 2 months | £105.82 | |
| 3 months | £143.04 | |
| 5 months | £219.92 | |
| 1 year | £746.00 |
What impacts learner driver policy premiums?
- Driver’s age
- Car owner’s insurance policy (TPO, TPFT, comprehensive)
- Type of vehicle driven (expensive models are pricier to insure)
- UK location (cities have higher rates than rural areas)
- Experienced driver’s age (i.e. the age of the person who supervises your driving)
Luckily, provisional licence holders can reduce their insurance premiums.
How Can You Get Cheaper Insurance Rates?
Follow these tips to lower your provisional insurance premiums:
- Don’t settle for one learner driver insurance quote – compare quotes from multiple insurance providers to find the best deal.
- Opt for annual payments rather than monthly instalments, especially when practising for an extended time.
- Consider telematics insurance (a.k.a black box insurance) to monitor how you drive.
- Add a named driver (with a full UK driving licence) to your policy.
- Opt for higher voluntary excess to save cash in the long run.
- Choose your car carefully as lower insurance group vehicles are cheaper to insure.
- Ensure the car owner secures the vehicle when not in use (e.g. parks in a locked garage).
- Keep mileage low as less time on the road equates to cheaper rates.
- Be a responsible driver at all times – obey road regulations, speed limits, etc.
Ready to find the best insurance policy as a learner driver? Choose SimplyQuote every time.
How To Compare Learner Driver Insurance At SimplyQuote.co.uk?
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All you need to do is:
- Complete the short online form.
- Select the optional extras you want.
- Compare quotes for leading insurers in just a few clicks.
- Save cash on your premiums today!
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Frequently Asked Questions
Learner driver insurance in the UK is a specialised type of car insurance designed for individuals who are learning to drive. It is typically purchased in the learner’s name and covers them for driving practice in their own car or in a friend or family member’s car.
Learner insurance provides car insurance, separate from the car owner’s car insurance policy, for those learning to drive. It’s a separate policy that allows young drivers to use the vehicle, and if there’s an accident, the car owner’s no-claims bonus remains unaffected.
Yes, anyone driving a car in the UK needs the appropriate car insurance policy in place, whether you’re learning to drive or have 30+ years of experience under your (seat)belt!