The Cheapest Way to Insure a Learner Driver | Bobatoo

The Cheapest Way to Insure a Learner Driver

Teenager learning to drive with parent

When driving on UK roads, you must always have valid insurance for your vehicle, whether you hold a full driving licence and are an experienced driver or you are just learning to drive with a provisional licence. 

Compare car insurance quotes for learner drivers with a provisional licence: 

If you are a learner driver and you are having driving lessons with a qualified instructor, they will more than likely have insurance in place to cover you, and this is usually included as part of the cost. 

If you’re not having driving lessons with a teacher, however, and you are practicing driving in your own car or in someone else’s vehicle such as your parents’ (or perhaps you’re doing both), then you will need to make sure you have the right car insurance policy in place to make sure you’re covered at all times.  

Finding insurance for learner drivers at an affordable price isn’t always easy and you’ll need to do a little research to discover the cheapest deal on the market, as there are also different types of policies available. 

Thankfully, our guide is here to help you learn more and find the cheapest ways to insure your car as a learner driver. 

What is learner driver insurance? 

Also known as provisional licence car insurance, this is a policy that protects you against any potential costs that could occur as a result of an accident while you are learning to drive and aiming to get a full driving licence. 

How does learner driver insurance cover work? 

This depends on the type of policy you buy and the level of cover it offers, so you’ll need to identify what cover you need before taking it out, especially if you want to get the most out of your money and save on the cost. 

Your options: Short-term, annual or named driver cover for learners 

1. Temporary cover 

short-term learner policy is one of the cheapest ways to insure a learner driver if they are using a vehicle for driving lessons only. A temporary policy that lasts between three and five months may suit you while you’re learning, as this is the average time it takes a learner to pass their test. Or, you can get cover for 1 day or 1 month if you wish; it all depends on your needs and how long you think you’ll need cover for. Remember, if your short-term policy expires and you wish to keep learning, you will have to get a new policy before you get back behind the wheel. 

It is worth remembering that short-term cover is a standalone policy, so it won’t have an impact on the no claims bonus (NCB) of the driver’s vehicle in which you are practising. 

You can get short term learner driver cover for between 1 and 140 days - to get a quote now, tap the button below. 

2. Annual 

If you feel that it may take you longer than 5 or 6 months to pass your test then an annual learner driver policy may be a better option for you and will save you spending money on multiple separate short-term policies. Once you pass your test and get your full driving licence, you can then update the policy with your existing insurer. Remember, though, that this is a more expensive option than short-term cover, as drivers between the ages of 18 and 24 usually pay high premiums for full, annual insurance. 

3. Named driver 

If you want to learn to drive with a family member, partner or friend, they could add you onto their policy as a named driver. This can work out much cheaper than having your own short-term or annual policy, but it is important to know that you must not drive the vehicle more than the main driver, as this is a crime known as fronting. The main driver will also have to pay more for their insurance for adding you, so you may need to price up your options first before committing to anything. 

Learn more: What is car insurance fronting? Are you breaking the law? 

Levels of car insurance 

There are different levels of car insurance, and it’s worth knowing what each type covers so you can make an informed decision when purchasing a policy, and you know you’re covered for all circumstances relating to your needs. 

  • Third-party only: This is the most basic type of car insurance, and the minimum legal requirement for UK drivers. It covers you for any damage you cause to another person, that person’s vehicle or any property belonging to them - it does not cover costs associated with your own vehicle or personal injuries. 
  • Third-party, fire and theft: On top of the same cover you get with a third-party-only policy, you are also covered if your car is ever stolen or damaged by fire. 
  • Fully comprehensive: This is the most extensive level of cover, while most insurers will also let you add extra protection to this policy if needed. In addition to the above cover, you are also protected against any damage done to your vehicle in a car accident that was caused by you. 

At Bobatoo, we always recommend getting fully comp cover so that you’re completely covered when driving. Most learner driver insurers will provide comprehensive insurance, but just be sure to double-check this when purchasing a policy. 

Read more: What does third party and comprehensive car insurance actually mean? 

What does learner driver insurance cover? 

This will all depend on the type of provisional car insurance policy you get, as the terms and conditions of policies can differ between providers. 

Whether you want to get a short-term or annual policy, or you are going to be added as a named driver on your parents’ car, you will need to check with the insurer what is included in and excluded from the policy. More often than not, it will provide fully comp cover. 

If you would like further protection for events like breakdowns and accidents where you’re injured, you may need to ask for a higher level of cover if your policy doesn’t fully protect you, but bear in mind that by adding them to your policy, it will increase the cost of cover. 

Do I need extra cover? 

When you purchase car insurance as a learner driver, you may be asked if you want additional cover. 

If you want to make sure you’re fully covered for all situations, the most useful additional policy add-ons for learner drivers include: 

  • Breakdown cover 
  • Personal accident cover 
  • Courtesy car cover 
  • Legal cover 

But again, it depends on what you want from your policy. 

Learn more: Car Insurance Extras Explained - Which Add-Ons Are Worth Having? 

How much is car insurance for a learner driver? 

According to Money Super Market, just under 60% of provisional licence holders are between the ages of 17 and 19, while some drivers between 20 and 60 are also learning to drive on UK roads. 

Generally, car insurance for younger drivers can be very expensive as they don’t have much experience, and they are more likely to have a car accident and, statistically, most likely to claim than older, more experienced drivers. As a result, they are seen as high-risk drivers, so the cost goes up. 

Having said this, learner driver insurance is not always as expensive as many people assume and it can differ across the board. Confused.com states that learners can pay as little as £8.42 for a 3-hour policy or £59.69 for one week’s worth of cover, based on average data from Veygo. 

In addition, MoneySuperMarket states that provisional insurance is almost 40% cheaper than standard policies for drivers with a full licence. 

For you to get an idea of the cost, here are two different real-life quotes from insurelearnerdriver.co.uk based on two drivers aged 17 and 30, each with a Volkswagen Polo (2020).

Example 1: Age 17

One day £14.11
One week £36.14
28 days (one month) £79.01
84 days (around three months) £153.15

Example 2: Age 30

One day £21.95
One week £50.48
28 days (one month) £106.67
84 days (around three months) £234.87

As you can see, learner driver insurance is more expensive for an older motorist, which is the opposite to standard car cover where older drivers usually pay less for cover. 

However, these are just average costs, and it may differ for you. To get a no-obligation learner driver quote now, simply tap the button below. 

Why is car insurance cheaper with a provisional licence? 

Learner driver insurance is usually much cheaper than insurance for drivers with full licences because those who have a provisional licence must always practice with another, more experienced driver in the vehicle who can supervise them. 

Newly qualified drivers must, therefore, pay a lot more for cover because once they pass their test, they are no longer under supervision and they’re technically still learning to drive, but alone. 

There are, however, ways in which you can try to lower the cost as much as possible, both for learners and new drivers. 

What is the cheapest way to insure a learner driver? - How to lower your premiums as an L-Plater

Before learning to drive or getting a quote for car insurance, here are a few things that could help you cut down the cost: 

  • Get a car that’s cheap to insure: Vehicles that have a low insurance group number are generally a lot cheaper to insure than those in higher-numbered categories. For example, a Vauxhall Corsa is in group 1, so you would get a better price than if you were covering a Mercedes A-Class, which is in a higher group (depending on the engine size and other specs). 
  • Compare quotes online: One of the best ways to get the best price for car insurance is to look at a range of quotes and policies offered by different providers in order to find the policy most suited to you and your budget. You can use comparison sites to do this, while also getting quotes from insurers that are not on comparison sites. 
  • Be a named driver: By being on a more experienced driver’s policy, this will be cheaper than having your own separate policy. 
  • Black box insuranceThis is a policy mainly designed for younger drivers looking to save on cover - it uses a telematics device to track your driving skills and will base your premiums on how well safely you drive. 
  • Pay more voluntary excess: When applying for life insurance, you can always choose to pay more voluntary excess in the event of a claim, which will subsequently reduce your premiums. However, it must be a sensible amount that you’d be able to afford to pay in the event of an accident. 
  • Keep your policy simple: As you’re only getting insurance to cover you while you practice now and again, you may feel like you don’t need a lot of the optional extras, and you can always add extra cover when you pass your test. 

Cheap car insurance with provisional licence - Compare quotes now 

To get the cheapest quote for a learner driver, you should compare a range of quotes on offer online if you want the best price. 

You can start right now by tapping below and getting a free learner driver quote based on your needs: