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Learner Driver Insurance

Learning to drive is an exciting time, with newfound independence and mobility as well as the opportunity to learn a skill that you’ll use for the rest of your life. But it's also a time when you're particularly vulnerable. To give you the protection you need as a new driver, it's important to have short-term learner insurance that covers you during this part of your driving experience.

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At Park Insurance, our brokers can source competitively priced motor insurance for learner drivers who are taking their driving test, delivering learner car insurance quotes that suit your needs and your budget.

What is learner driver insurance and why is it important?

Sometimes also known as provisional driver insurance, learner driver insurance allows you to drive your own car or someone else’s car (such as a friend or family member) as long as you are fully supervised by a person who is at least 21, has held a full driving licence for at least three years and is qualified to drive the type of vehicle you are learning in.

It allows you to get that essential practice in between lessons and can speed up the process without adding too much financial cost.

Because you don't know how long you'll be learning for, you may want an insurance policy that can be renewed on a short-term basis for as long as needed. At Park Insurance, we offer insurance for learner drivers for 30, 60 or 90 days, and it can then be renewed as many times as needed until you pass. Once you've taken out your first policy, you'll also be able to renew for just a week or a fortnight, so you don’t have to pay for months of insurance you don’t need.

What does learner driver insurance cover?

If you want to drive on UK roads, you must have appropriate insurance in place. This is usually classified as third party only, third party, fire and theft, and fully comprehensive. Learner driver insurance generally covers:

  • Accidental damage, fire damage, or theft
  • Third-party liability (covering your legal liability if you injure someone or damage their property and they claim compensation)
  • Medical expenses (available in some policies)
  • Driving test cover

What isn't covered

It is a legal requirement that learner drivers are supervised by a person holding a full UK driving licence over the age of 21. If you are driving a car and the person supervising you does not have a full licence, their licence is suspended, or they are disqualified, you would be driving illegally and may not be covered by your insurance policy.

It also won’t cover you after you’ve passed your test. Once you obtain your full UK driving licence, you will need to take out normal vehicle insurance.

Am I eligible for learner driver insurance?

To qualify for short term learner driver insurance, you must:

  • Have a current provisional driving licence
  • Be a UK resident aged at least 17
  • Your eligibility may be affected by previous motoring offences or convictions
  • The vehicle must be legally roadworthy, taxed where required and have a valid MOT if one is required for its age
  • There may also be restrictions on aspects such as the engine size and the value of the car.

Types of car insurance policies to consider

As with any vehicle insurance, there are three types of policies for learner drivers:

  • Third party only – Covers your legal liability for injury to other people or damage to their property, but does not cover damage to your own vehicle
  • Third party, fire and theft – Provides third-party liability cover and can also cover your vehicle if it is stolen or damaged by fire, subject to the policy terms
  • Fully comprehensive – Provides broader cover for your vehicle, including accidental damage, theft and fire, as well as third-party liability, subject to the policy terms

Can I be insured to drive on someone else’s policy?

Some motoring insurance allows ‘named drivers’ to appear on a vehicle insurance policy. Normally, these are other drivers with a full licence, but it is possible to have your name added as a learner driver to another person’s policy (such as a parent). However, this could affect their premiums.

Which type of car insurance is right for a learner driver?

Short-term learner driver insurance offers great flexibility while practising. You can tailor the length of your insurance to cover you for as long as you need, with some insurers offering easy early-exit policies if you pass your test sooner than expected.

Does learner driver insurance cover me when I take my driving test?

Most policies will cover you for your test day. However, once you have passed, you may not be covered. You will need to check your policy to see if you have a ‘grace period’ post-test to drive the vehicle home.

How much does learner driver insurance cost?

How much you pay for your learner driver insurance will depend on factors such as your location, age, the type of car you want to insure, and the length of time you want to insure your vehicle for. Your broker will be able to advise you and find learner car insurance quotes that suit your needs and your budget.

Get moving with Park Insurance

For over 30 years, Park Insurance has helped customers get on the road with bespoke insurance for new drivers. Our role as preferred broker to many of the UK’s insurance providers means we can access suitable motor insurance that gives you the cover you need, for as long as you need it. Get an instant quote by using our online Get a Quote button or call us now for more details.

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Give us a call on 0117 955 6835 or click on the button below and we will be happy to contact you to discuss your needs.

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Park Insurance Services Ltd
323 Church Road
St George
Bristol
BS5 8AA

Tel: 0117 955 6835

Email: info@parkinsurance.co.uk

Park Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under FRN 998383. You may check this on the Financial Services Register by visiting the FCA website. Park Insurance Services Limited is registered in England and Wales (company number 13091532). Registered address: 323 Church Road, St. George, Bristol, England, BS5 8AA.