Learner Driver
Insurance Cover

How Much Does Learner Driver Insurance Cost?

Learner driver insurance costs do differ depending on a few factors. But with a temporary learner insurance cover you can be confident that you’re getting a great deal compared to being added to an annual policy. 

By taking out temporary learner insurance, you will save money and you can also ensure you are protecting the car owner’s no-claims discount.

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Who needs Temporary Car Insurance?

Long-term annual policies are often pricey and inflexible, meaning they’re not the best fit for learner drivers. Our short-term policies are great for learners looking to:

• Get some more practice before their test.

• Borrow a friend or family member’s car.

• Take their test in a friend or family member’s car.

• Protect the car owner’s no-claims discount.

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What You Need to Take Out a Short-Term Learner Insurance Policy

Vehicle Details - The registration of the car you’re looking to insure.

Cover Requirements - A suitable person supervising who is also insured on the vehicle either with an annual or short-term policy.

Your Information - When you want insurance to start and end – you can take cover from 1 day to 4 months.

Your License Details - Personal details such as your name, date of birth, address, and your driver’s license number.

Can I Get Temporary Learner Driver Insurance – Am I Eligible?

Taking out temporary learner driver insurance is easy. You can take out temporary learner insurance if you have a provisional licence, are between the ages of 17 and 21, and meet some more criteria, highlighted below. The named driver must always be accompanied by someone over 25 who owns a full UK driving licence that they’ve held for at least 3 years.

Your learner driver insurance policy expires when you pass your test. However, you will have a 3-hour grace period so that you can drive home from the test center.  Once this has passed you will need to source an alternative policy

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Criteria the Car Being Insured Must Meet

• Private Cars only (limits are placed on the vehicle’s ABI grouping)

• Minimum vehicle value – £1

• Maximum vehicle value – £50,000

• The insured vehicle must be covered by an underlying policy

• Social, Domestic, and Pleasure only

• Foreign use is not permitted

• Not for exporting – journeys must start and end in the UK

• Is not imported or left-hand drive and not modified (factory-fitted extras or modifications for a disabled driver or passenger, or LPG conversions are acceptable).

• Has no more than 5 seats

• Must not be modified. LPG conversions and Disabled Modified are acceptable

• Have a valid MOT (if required), are NOT declared as SORN (off-road) with DVLA, and have NOT been seized by the police.

• Not to be used for impounded or seized vehicles (unless specified as impounded cover)

• Not to be used for any form of motor racing, pacemaking, track days, motor trade usage, or hire and reward

• Not for carrying hazardous goods or use at a hazardous location

• There is no cover under this policy for vehicles that are insured, owned by, operated by, supplied by, hired, or rented from any Claims, Credit hire, or Accident Management Company.​

Criteria the Learner Being Insured Must Meet

• Be aged 17 to 21

• Hold a UK Provisional driver’s licence

• Not have had any claims, regardless of fault

• Not have had any penalty points

• Have a current permanent address as stated throughout this application, (please note you may be asked to provide proof of residence in the event of a claim)

• Be supervised by a suitable person aged over 25 according to the law.