Learner driver and provisional car insurance

If you’re currently learning to drive and want to get insurance to cover you when you practice driving, you could be quoted high premiums as you are seen as a high risk.

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Learner driver insurance – what you need to know

As well as being a potentially stressful time, learning to drive can also be expensive – with the cost of a car, driving lessons, tax, fuel and more all adding up.

Usually a professional driving instructor will include the cost of car insurance in their lesson prices, but if you want to go out and drive on your provisional licence in-between lessons then you will need some form of learner driver insurance.

The Driving Standards Agency suggest that learner drivers should get approximately 20 hours of independent driving with a friend or family member before they take their test. In order to do so you will need some form of learner driver or provisional insurance.

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How learners can save money on provisional insurance

As learner drivers are seen as high risk drivers, car insurance companies will often quote them high premium costs. Just like with young and new drivers, learner drivers are seen to be more likely to have accidents and submit claims – so are therefore expected to pay more for cover than experienced drivers.

Despite this, there are ways in which learner drivers can try to reduce the cost of provisional insurance.

One way in which you could get cheaper cover is for you to become a ‘named’ driver on a more experienced driver’s policy i.e. the person who you want to take you out for a drive.

Anyone with a provisional driving licence can become a named driver on another’s car insurance policy, so long as the person ‘teaching’ is over the age of 21, has a valid full driving licence for the type of vehicle you will be driving and has had a licence for at least three years.

If you become a named driver alongside a more experienced driver like a parent, sibling or friend they your premium will likely be much cheaper than getting your own policy, however the premium in total for the person adding you to the policy will likely increase substantially – so this may not be the most cost-effective option for the two of you.

It is also worth bearing in mind that many insurers offer short-term and temporary car insurance policies, which can cover you for one day all the way up to three months.

Dedicated learner driver insurance policies

If you decide that the most cost-effective way to go is to get your own learner driver insurance, then you will find you won’t be spoiled for choice.

There are a growing number of provisional insurance policies aimed at learner drivers, from established insurance companies like Aviva to new companies dedicated purely to learner drivers and young drivers.

While choice is obviously a good thing when it comes to keeping costs down, it does mean that you need to do your homework and make sure you are aware of the level of cover each company is offering you.

When comparing quotes it’s tempting to just go for the cheapest one, however this can often be the cheapest option because it offers a low level of cover.

Some of the policy options you should be considering with learner insurance are:

  • No claims discount
  • Fully comprehensive cover
  • Legal liability for death or injury to any person, including passengers
  • Cover for any car up to at least car insurance group 32
  • Legal liability for damage to other people’s property
  • Medical expenses for anyone injured in the vehicle
  • Refunds for any complete 30 days’ worth of cover remaining after you pass your test


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