Frequently Asked Questions
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.
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.
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.
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
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.
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.skyinsurance.co.uk/compare.
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.
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.
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.
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.
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.
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.