LEARNER DRIVER INSURANCE

  • Short Term & Annual Policies for Learners

  • Comprehensive Cover – Certificate Emailed Instantly

  • Cover for Practising in Someone Else’s Car

  • Insurance for Learning to Drive in Your Own Car

girl driving car

Who is it for?

Insurance for learning to drive in a borrowed car

You can now cover yourself to learn to drive in your parent’s or a friend’s car – without the hassle of going through their insurance or affecting their policy.

You can also decide how many days you want to be covered for. Practice as much as you want to. Buy again if you need to.

Young girl learning how to drive
Young guy learning how to drive

Insurance for learning to drive in your own car

Been searching for ages to find an insurer who’ll cover a learner driver, in their own car, at a fair price?

Search no more, our owner policies are exclusive to learner drivers, and it’s the only policy you’ll need! We even offer annual policies for owners to be covered up to a whole year.

How it works?

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    Get a quote in 30 seconds

    Just a few simple questions required.

  • Enter licence details

    Confirm licence number & address

  • Payment Icon

    Confirm payment

    Review your price and pay by card online

  • documents icon

    Download documents

    Insurance documents instantly emailed

  • drive Icon

    Get learning to drive!

    That’s it! You’re covered to start learning

  • learner icon

    Enter licence details

    Confirm licence number & address

  • documents icon

    Download documents

    Insurance documents instantly emailed

why Learner Driver Insurance?

flexible learner insurance for owners and non-owners

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  • We hold an excellent rating on our official Trustpilot page from thousands of customer reviews.

  • We offer flexible periods of cover because we want to make driving practice accessible as possible.

  • No more never-ending phone calls to insurers, you can purchase cover in minutes with us.

  • We are constantly reviewing our rates to stay competitive in learner insurance.

FREQUENTLY ASKED QUESTIONS

  • Does the car have to be insured elsewhere?

    Learning in a Borrowed Car – 'Yes' and the vehicle must remain insured for the duration of the policy.

    Learning in your Own Car – 'No' if the car is owned and registered in your name, this is the only policy you require to be legally insured on the road.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • How does learner driver insurance work?

    A learner driver will often look to learn in a borrowed car, or one they own themselves. Learner driver insurance can cover both these options, but the way the cover works is slightly different for each case.

    When the learner uses a borrowed car, the learner policy acts as a separate independent insurance just covering the learner driver when they are driving. The car must already be insured by its owner under a separate annual policy for when the owner uses the car. The advantage of this type of policy is that the owner avoids risking the No Claims Bonus earned under their own policy, as a claim originating from when the learner is driving will be made under this learner policy instead.

    We also provide both short-term and annual insurance for learners who will be learning to drive in their own car. In these scenarios, this would be the only active insurance policy required on the car.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • If I’m borrowing a car and have a claim, will it affect the owners no claims bonus?

    No. Our 'learner driver with a borrowed car' policies are a separate policy to cover the learner driver only. The claim would come under this policy only, not the owner's policy. So in this scenario, this will not affect the No Claims Bonus of the owner of the car in the result of a claim.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Do you offer cover for anyone over the age of 30?

    Unfortunately, we do not provide cover for learners over the age of 30. We offer borrowed car policies to learners aged 17-30. We offer owner policies to learners aged 17-25.

    For more details on who is eligible for our learner driver insurance policies, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Who can supervise me?

    For our insurance cover, the criteria is slightly more than the legal requirements when it comes to an accompanying driver or supervising driver with the learner. As we offer cover from several insurance companies, the requirements change slightly depending which policy you opt for.

    KGM: 1-6 Days Policies

    The requirement with KGM is the following.

    The supervising driver must;

    • be aged 25 or over
    • hold a valid Full UK Driving Licence for over 3 years (without any DR coded convictions within the last 5 years)
    • be a UK resident for over 2 years

    Markerstudy: 7-140 Days Policies

    The requirement with Markerstudy is the following.

    The supervising driver must;

    • be aged 25 and under 72 years of age
    • hold a valid Full UK driving licence for the past three years or more

    For find out more about what you need to supervise a learner driver, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Am I eligible for this policy?

    We have a different set of criteria for each of our policies. Please click the links below for each policy's set criteria.
    Borrowed learner policy acceptance criteria
    Owner learner policy acceptance criteria
    Annual learner policy acceptance criteria

    To check more details of who is and isn't eligible for learner driver insurance, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Can anyone else drive the car using this policy?

    Our policies cover the learner driver to drive the car only. We cannot provide additional driver cover for parents or supervising drivers. If they want to cover themselves to drive separately, they can take out a temporary policy through www.insuredaily.co.uk

    For more information about learner driver insurance and those learning to drive specifically, you can check out our Learner Driver Insurance and Learning to Drive page.

  • What is covered with this insurance?

    All our learner policies offer a comprehensive level of cover, which covers damage to the car you are driving, as well as any third party, if you are involved in an accident.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • What is the excess on your policies?

    Our 'Learner in a Borrowed Car' policies have a standard policy excess of £500. The 'Learner in Own Car' policies have a standard policy excess of £750.

    Our learner insurance policies are sold packaged with an Excess Reduction policy, which means you can claim back part of the excess, reducing the level of excess you will be 'out of pocket' for, this will be referenced in the quote.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Will this insurance cover me for the driving test?

    Yes, these policies cover you whilst taking your driving test, provided the Driving Test occurs during the cover period. The DVSA Driving Examiner is treated as the 'accompanying driver' during the test and that is acceptable on these policies.

    For more details on what learner driver insurance does and doesn't cover you for, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Can I make changes to the details on my policy?

    Due to the short-term nature of these policies, once payment has been authorised you are unable to make any changes or alterations to the information you have originally provided.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • I don’t need the insurance anymore; can I get a refund?

    If your policy is less than a month in duration

    Unfortunately, we cannot offer refunds for any "unused" periods of insurance on policies that run for less than a month. If you wish you cancel your policy, we can do that, however, we can’t offer a refund.

    If you have a policy that runs longer than a month in duration:

    If less than 14 days has passed since you received your policy documentation and you haven’t made a claim, you have the right to cancel and receive a refund of the unexpired period of insurance. However, please note an administration charge of at least £100 will apply.

    For more details on the terms and conditions of our learner driver policies, you can check out our Learner Driver Insurance and Learning to Drive page.

  • How can I contact you?

    We have a live chat facility on the website which offers support from 9am-5pm Monday to Friday. We are open between 9am-1pm on Saturdays.

    Email: [email protected]

    Please note we cannot take payments over the phone.

    If you want to find out more about learning to drive or learner driver insurance, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Can you learn to drive as a named driver?

    You can be added as a learner named driver on most policies, however this can cost a lot more money, not be very flexible in terms of how long the learner will be on the policy for, and it will affect the No Claims Bonus for the policyholder. This is why a separate learner driver policy is often the best choice, as you can take out learner driver insurance for as long as you want, it takes minutes to set up, and it can save you money and hassle without affecting any No Claims Bonus.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Does my insurance cover me for my driving test?

    Learner Driver Insurance with InsureLearnerDriver can cover you for your driving test, and if you need insurance for your driving test you can take out a 1 day learner driver policy in minutes.

    For more information on your learner driver insurance and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • What happens to my learner insurance after I pass my test?

    After you pass your test your learner insurance will no longer be valid. You will then have to purchase insurance for a Full UK Driving Licence in order to be covered to drive.

    For more information on your learner driver insurance and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Does learner insurance show on the MID?

    Yes, learner driver insurance does show on the Motor Insurance Database, but it can take up to a week to show up on there so don't worry if you can't see it on there straight away. As long as you have purchased the correct level of insurance, you will be covered as soon as your policy starts.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Is there a curfew on this policy?

    Our learner driver policies at InsureLearnerDriver do not have any curfew, and you can drive at any time, day or night, as long as you are correctly supervised and driving within the other limitations of the policy.

    For more information on any limitations on your learner driver policy, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Do I need learner insurance?

    If you want to learn to drive in your own car or in a borrowed car you will need learner driver insurance in order to be able to drive. You can get learner driver insurance for any period between 1 day and 1 year so you can get flexible cover for when you need it with InsureLearnerDriver.

    For more information on learner driver insurance, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • How much is learner driver insurance?

    Learner Driver Insurance is often cheaper than you may think, and you can get learner driver insurance for anywhere between 1 day and 1 year. At InsureLearnerDriver our cheapest 1 day policies start from £12 a day, and you can get a quote in seconds.

    For more information on learner driver insurance, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Can I get learner insurance on a car with insurance already?

    Yes, you can have a separate learner driver policy to drive a car that has its own annual policy in someone else's name, and this is not regarded as dual insurance and is perfectly legal. It is a really good way of getting flexible learner insurance for the period you need without affecting the No Claims Bonus on the annual policy.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • Do you need insurance to learn to drive?

    If you are learning to drive with a driving instructor in their car, you usually don't need your own insurance, as they will have insurance to cover you as a learner driver. However, if you are learning to drive, or practicing with a friend or family member, in their car or your own car, you will need learner driver insurance, which you can get a quote for in seconds, from 1-365 days.

    For answers to more questions like this, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.

  • What Happens if a Learner Driver is caught driving alone?

    If a learner driver is caught driving alone or without an adequate supervisor in the UK they can be fined up to £1000 and be given 6 points on their licence. The points on your licence can make it very difficult and expensive to get insurance once you pass your test. It's important to make sure you have a supervisor with you at all times when learning to drive. Make sure your supervisor is allowed to supervise you as a learner driver and check they have had their licence for at least 3 years and are at least 25 years old.

    For more information on learner driver insurance, and all you need to know about learning to drive, you can check out our Learner Driver Insurance and Learning to Drive page.