Learner Driver Insurance

Compare Learner Driver Insurance Quotes

As a learner driver you can choose between short term insurance or a full length policy. Not sure which you need? Read on below to find out more.

Introduction

Learning to drive is a point in life that many will never forget; the freedom that ensues from being able to transport yourself anywhere, at will, is tantalisingly close. There remains just one hurdle between you and your dream of cruising the roads, passing your test.

To do this takes real-life practice and unless you intend to gain all of your experience sitting alongside a driving instructor, at significant expense, you will most likely need to insure yourself on a vehicle to practice with an adult over the age of 21 who has held their licence for at least 3 years. This adult is could be a family member, but it could also be a friend.

Note: Some insurance companies have higher minimum age limits on the person accompanying you, e.g. a minimum age of 25, so please check with the insurance provider.

What is learner driver insurance?

There are three main options available:

Short Term Cover: Temporary insurance to cover you whilst you learn to drive in your own vehicle or in someone else’s. Prices start from as little as £1.80 per day. Compare quotes with our partner InsureLearnerDriver.co.uk – here

Full Cover: Cover for a year on your own policy. Once you have passed your test you will need to inform your insurance provider, by doing so you will then be covered on your new full licence. Full cover would often be used if you own your own vehicle.

Named Driver: Add yourself as a named driver onto another person’s car insurance. This would typically be the case when you are learning to drive in a friend or family member’s car. This will of course increase the cost of the other person’s insurance – you can decide between you who covers the extra cost.

Important Tip: If you have an accident whilst learning to drive, as a named driver the claim will most likely affect the main policy holder’s insurance, including the loss of their no claims bonus. Opting for your own policy typically removes this risk, but as always we advise that you check with your insurance provider.

What levels of cover are available on a learner driver insurance policy?

Learner driver insurance comes with the same levels of cover as a standard insurance policy namely:

Third Party: The minimum amount of cover required by law. This will cover you for damage to other vehicles or other people, it will not cover you for damage to your own car when you are at fault.

Third Party, Fire & Theft: Similar to third party insurance, although it will also cover you in the event your car is stolen or is damage from a fire or during an attempted theft.

Fully Comprehensive: Covers you for the above as well as cover for your own vehicle should you be in an accident

Contrary to popular belief, even though fully comprehensive insurance offers the highest level of cover, it is not necessarily the most expensive cover, so it pays to compare all options.

How much does learner driver insurance cost?

Costs can start from as little as £1.80 per day. Get a quote to find out how much it will cost you.

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