Short Term Learner Driver Insurance

Firstly there is a conventional policy – this is developed for individuals who require temporary day insurance cover from 1 to 28 days cover for a car or van. Drivers usually have to be 20 or over, have a full UK driving licence for at least 12 months and have to meet certain other underwriting criteria. Not surprisingly, none of these policies will allow a vehicle to be released from a police compound – clearly, they are not developed for this instance but to allow someone to properly use a car or van that they do not necessarily own on a short period basis.

The second policy is for provisional licence holders. These guidelines follow the same format as a conventional policy but the insurance is usually reduced in cost and is developed specifically so that a provisional licence holder can learn to drive in their mother and father, guardians or relative’s car, for example.  Before these policies emerged, it was normal to add these learner drivers on a short-term basis on their parents' policies; but with insurance companies restricting the age of the drivers they would insure, the cost is now extremely prohibitive, if available at all. The real beauty of short term learner driver car insurance is plain to see. The cost is lowered and most importantly, does not affect the no claims bonus of the owner of the car you are going to drive if in the event an incident were to happen.

The most essential aspect when purchasing these types of policies is to check the policy wording thoroughly. Each policy may differ and it is essential that you are happy with the cover being offered. Finding out that a section of the policy is undesirable after any sort of incident is not an option.

If you want to learn more about learning to drive and learner driver insurance you can check out our Learning to Drive and Learner Driver Insurance Page which answers any questions you might still have.