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InsureLearnerDriver | December 12, 2018

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What’s the cheapest way to insure a learner driver?

What’s the cheapest way to insure a learner driver?
Tina Playle
  • On July 19, 2018
  • http://www.insurelearnerdriver.co.uk

The costs of learning to drive are already significant enough to burn a hole in anyone’s pocket. So, it’s no surprise that people want to find the cheapest way to insure a learner driver to get in some extra driving practice.

There are a few different ways of insuring a learner driver but knowing which way to go can be confusing.

Temporary or short-term cover for learner drivers

Depending on your situation, buying short-term cover for learner drivers could be the cheapest way to insure a learner driver.

Available to learners who want to practice in a borrowed car or their own, this could be the much more viable option.

InsureLearnerDriver offers policies from 1-140 days for those in borrowed cars, and 28-140 days for learners who own their cars.

Click here to find out more about short-term cover for learners in a borrowed car

Click here to find out more about short-term cover for learners in their own car

Click here to get a quick quote to see how much it would cost you

cheapest way to insure a learner driver

Some may think that adding a learner onto your current car insurance policy is the easiest and cheapest option, but that’s not always the case.

Pros of temporary learner policies
  • These “pay as you go” policies mean that you can pay for the days you plan to use it, which could mean you’re getting the most value from these policies.
  • These short-term policies are standalone learner policies, meaning that they won’t affect the no claims bonus of the person whose car you’re practising in.
  • Learners who have their own car can also be the only named driver on their policy.

Cons: If it takes a little longer for you to pass your driving test, investing in an annual policy could be the better option.

 

Adding a learner driver as a named driver

If a parent or friend wanted to help you to learn to drive, there is an option for them to add you onto their current insurance policy.

 

Pros of adding learner drivers to your policy
  • Many parents and learners opt into this option because they see it as the simplest solution, but with the added admin costs and potential rise in premiums – it may not be the cheapest way to insure a learner driver.

Cons: You won’t be able to have your own car. Adding a learner as a named driver to a policy when they are in fact the ones who will be driving it the most, is called “fronting” – this is illegal.

 

Annual insurance for learner drivers

Some learners opt into an annual policy cancel/convert it into a young driver policy it when they pass their test.

 

Pros of purchasing an annual learner policy
  • Those who purchase an InsureLearnerDriver annual policy can start earning their no claims bonus.
  • It can work out cheaper in the long run.
  • it’s an excellent opportunity to start earning their no claims bonus.
  • Annual policies are also popular with learners who have their own car.

To find out more about InsureLearnerDriver’s annual learner driver policies, click here

Cons: Complications when cancelling before the end of a policy. InsureLearnerDriver does offer refunds on a pro-rata basis and can even transfer that over to a full licence policy. Other companies that offer annual learner driver insurance may not do this.

Always research what could happen if you pass before reaching the end of your policy.

 


There are many ways that learner drivers incorporate driving practice into their routine, and there are different insurance options that can help cover them.

The most important thing to do is to research. Not only the cheapest way to insure a learner driver, but the one that offers the most value in the long run for your own situation.

Click here to get a learner insurance quick quote

For more tips on staying safe on the roads, or for regular driving test tips, follow us on social media:

InsureLearnerDriver Facebook | InsureLearnerDriver Twitter | InsureLearnerDriver Instagram

Comments

  1. S Cummins

    I have two learner drivers, one, 21, has provisional licence, 17 year old hasn’t, yet. I have a small 1l peugeot 107 to insure for them: is it best to put in name of a parent or in name of one of the boys? Both parents have fully comp long no-claims policies on their own cars. Daughter, 24, full clean licence, could also be nameddriver of peugeot. What policy do you advise for this situation? Is a black box also advisable?

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