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Learner driver insurance: What you need to know

If you have a provisional driving licence or are planning to get one in order to start driving lessons, then knowing where you stand with car insurance is a must. Before you hit the road for the first time, you’ll have to ensure you are covered in case of an accident.

This guide is perfect for those who are about to start driving lessons and want to learn more about the cheap temporary learner insurance options on offer to provisional licence holders.

Do I need car insurance as a learner driver?

To drive any car at any time, whether you are learning to drive or have a full driving licence, you must have car insurance. The insurance you need when learning will depend on who you choose to be your driving instructor. But whether you choose to go with a qualified driving instructor or learn independently with a friend or family member, you will need to be covered before you start driving.

Who can I learn to drive with?

Learner Driver Car

When starting with driving lessons, most people choose to learn with a professional driving instructor. Not only are they trained to do the job, but they oftentimes also use specialist vehicles with dual-control features, allowing them to jump in should an incident occur.

Do I need separate insurance when learning to drive with an instructor?

No. When learning to drive with a professional instructor, part of your fee will go towards learner car insurance. This is something the instructor should clarify with you before your lessons start, but if they do not it is worth confirming.

Can a learner driver practice with family or friends?

Yes, a learner driver does not have to learn to drive with a qualified instructor. For those who are nervous about getting started, having a familiar face next to you can help ease your nerves. It can also be useful to have private lessons when practising in order to get your driving hours up between lessons from a trained instructor.

When learning to drive with a family member or friend, you must have provisional driver insurance as their insurance does not cover you.

Can I learn to drive in my own car?

Yes, if you already have a car you are able to learn to drive in that vehicle. You will still need learner driver insurance and will need a trained driving instructor or a qualified driver aged between 25 and 75 that has held a valid UK driving licence for at least 3 years, to sit with you.

Adding a learner driver to an annual policy

How to add a learner driver to my policy

In order to add a learner driver to your annual policy, you must contact your insurance company to request an addition.

It is worth being aware however, this can incur an amendment fee and may require you taking out longer cover than you need. Should the learner driver have an accident behind the wheel, it is also worth being aware that it will likely affect the policy’s no claims discount moving forward. Additionally, depending on your insurance company’s policy, the learner driver may not gain comprehensive cover and only have basic third party, fire and theft cover.

How much does it cost to add learner driver insurance to my policy?

The cost of adding a learner driver to your insurance policy depends on the insurance group you are with. In many cases, however, this can require an upfront amendment fee as well as the extra monthly amount. Additionally, should the learner have an accident whilst behind the wheel, it can mean you lose your no claims bonus, rising your fee.

Temporary learner driver insurance

Young driver in car

How do I get temporary provisional car insurance?

Temporary learner driver insurance is easy to set up and totally flexible. From young drivers looking to get their first hours in behind the wheel, to those who have left it till later life, temporary insurance can help you pass your test.

You can get a quote for temporary learner insurance today on your computer or mobile phone, and it can be ready in as little as 15 minutes. And what’s more, should you pass your test earlier than the end of your cover, we will refund you the extra days.

The benefits of standalone learner cover

There are plenty of benefits to buying standalone learner driver cover:

  • choose exactly how long you want the policy to run for
  • it only takes a couple of minutes to set up
  • it won’t affect the car owner’s no claims discount if you have an accident
  • the excess on a Dayinsure learner policy is only £250 (at the moment, industry-standard is in the £600 – £1000 range)
  • if you pass your test early, we can refund the days you didn’t use, meaning you never overpay.

Learner driver insurance rules

When taking out cover, there are some learner driver insurance rules you have to be sure to abide by, or your policy may not be valid:

  • you can only drive between 6am and midnight if the vehicle is not your own
  • the car must be in a safe and legal condition
  • L plates should be displayed on the front and rear of the vehicle
  • you must be accompanied by a qualified driver aged 25 years to 75 years old who has held a full UK licence for at least 3 years
  • your learner driver insurance ceases the moment you pass your test (meaning you’ll need new insurance to drive back from the test centre).

You can learn more from our Get a cheap learner insurance quote with Dayinsure today, and you can be on the road in as little as 15 minutes.