Temporary Insurance for Learner or Provisional Drivers
Temporary learner driver insurance can be a more convenient and cost-effective alternative to being a named driver on a car owner’s existing annual policy. Here’s why.
Temporary learner driver insurance or temporary provisional driver insurance is a niche type of insurance policy specifically for learner drivers who wish to temporarily insure a relative’s or friend’s car while they learn to drive in it.
Temporary learner driver insurance works by providing cheap temporary car insurance cover as and when you need it.
This type of insurance is particularly suitable for learner drivers who want to practice driving in someone else’s car in addition to or supplemental to learning to drive with an approved driving instructor.
Once you pass your test, if it’s still valid your temporary learner cover abruptly ends and you will need to apply for a full UK driving licence and take out new [more expensive] car insurance as a fully qualified driver.
You should try to find the best deals and cheapest temporary learner driver insurance by comparing quotes online.
Before doing so you should:
- check your eligibility and your supervisor’s eligibility
- decide on the length of cover (one day, week or months)
- have to hand and provide the following information:
- the vehicle registration number of the car you want to insure to drive
- the car’s registered keeper’s details
- your date of birth
- your UK provisional driving licence info
- your permanent UK address
- your date of birth
Once you’ve submitted all of the above information and have received a variety of competitive quotes, you should then:
- compare policies
- choose the best one
- pay for the policy via the insurer’s website
get learning to drive!
What is the difference between temporary learner driver insurance and temporary provisional driving insurance?
There is no difference: both types of short-term insurance are the same and provide exactly the same temporary cover for provisional driving licence holders learning to drive in the UK.
You cannot legally drive on the UK roads without holding a valid driving licence and if you’re learning to drive, that licence will be a provisional licence.
Not necessarily, no.
If you take driving lessons with a registered ADI (Approved Driving Instructor), they will have their own insurance cover in place which is covered by the cost of your driving lessons.
And if you borrow someone’s car to learn to drive in, they can add you to their existing insurance policy as a ‘named driver’ instead of you arranging your own insurance.
Important: If you're the main driver of a vehicle and a fully qualified adult only ever rides shotgun when you’re learning to drive, then you cannot be added as a named driver to your companion’s (superviser’s or car owner’s) policy. This illegal practice - adopted by some parents in an effort to get cheaper insurance - is known as ‘fronting’.
Read more: Car insurance: What is ‘fronting’?
- Temporary learner insurance can work out cheaper than an annual policy or adding your name to a car owner’s existing annual insurance policy.
- If you have an accident, you can make a claim on your own policy and leave the car owner’s no claims bonus safely intact and will not therefore increase their premiums.
- By taking out your own insurance, you can usually start to build up your own no claims discount helping reduce your future car insurance premiums.
You can get temporary car insurance for 17 year olds* as long as you meet certain eligibility criteria such as:
- holding a valid UK Provisional Driving Licence
- being a permanent UK resident for at least 3 years
- providing proof of address that matches the address on your provisional licence
- having no driving convictions, criminal convictions or penalty points on your licence
- not having been involved in an accident that was your fault
* Some insurers have a maximum upper age limit for temporary learners insurance - typically around 27-28 years old.
To get temporary learner driver insurance most insurers will require that the person supervising you must typically:
- be aged 25 or over
- have held a full UK Driving Licence for a minimum of 3 years that has no DR codes
- have been a permanent UK resident for at least 2 or 3 years
Yes, short term learner insurance is super flexible and can specifically be arranged for:
- as little as one hour to 12 hours
- one day to several days
- one week to four weeks
- one month* up to six months
* 1 month car insurance is usually for 28 days or 4 weeks
For example, you may want learner insurance for a month so you can drive a parent’s car during a break from uni. Or perhaps you’d like car insurance for 3 months to build up your confidence on the roads before taking your practical driving test.
The beauty of temp provisional insurance is that even if you’re not yet completely in control of your driving (no offence intended!), you will most certainly be in control of your car insurance by only paying for cover when you need it.
Read how to get cheap short term 1-3 month car insurance quotes with Bobatoo
You might like: Best driving test apps 2022
Temporary learner driver insurance costs vary between insurers but can typically cost an average of £42 per day or if you take out 180 days of cover (approximately six months) this can reduce to as little as £1.23 per day.
To get cheap learner driver insurance you should:
- compare learner driver insurance quotes online
- consider the car you want to insure (i.e. one that preferably isn’t worth more than £20k or higher than insurance group 30)
The cost of temporary learner driver insurance will primarily depend on your:
- Postcode area
- Length of cover
- Car type, value and condition
- Excess amount (typically a minimum of £250 for learners but increasing this to a higher amount can help to further reduce your premiums)
Read more: The cheapest way to insure a learner driver
It’s impossible to give a definitive answer to this question as the cost of pay as you go learner driver insurance will of course depend on many factors but predominantly on how many miles you drive.
Pay as you go learner insurance could of course be a better and cheaper option if you want to sporadically drive a car but have no idea what dates, hours, days, weeks or months you will want to drive it on. And it could be a cheaper option if you have low mileage.
Despite a telematics box (also known as a ‘black box’) being fitted to your car to monitor your mileage or the time you spend driving, your speed and general driving performance will not be recorded or shared with your insurer. This is only the case if you have telematics ‘pay how you drive’ insurance.
You can read more about pay-as-you-go car insurance here.
It depends on your insurer so it’s best to check if there are any usage restrictions before taking out a policy.
For example, RAC’s learner driver insurance restricts driving between 6am and midnight.
Read more: Temporary car insurance for students
Yes, if you’re taking your driving test in a friend or relative’s car that you already have temporary insurance cover on, this is suitable for you to take your driving test with. However, the minute you pass your test, your temporary learner driving insurance will no longer be valid.
If you’re taking your driving test in an approved driving instructor’s car then you do not need to worry about taking out your own insurance for your driving test.