Learner Driver Insurance UK

Temporary Learner Driver Insurance provides comprehensive short-term cover for eligible provisional licence holders while they practise driving under supervision. It offers a flexible alternative to being added to someone else's annual motor insurance policy, allowing learners to gain valuable driving experience while helping to protect the vehicle owner's No Claims Bonus.

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Cover is designed for learner drivers aged 17 to 21 and can be arranged instantly online for periods ranging from 1 hour to 24 weeks, giving you the flexibility to choose the duration that best suits your learning schedule.

 

Learning to Drive in Someone Else's Car

One of the main advantages of Temporary Learner Driver Insurance is the ability to practise in a friend or family member's car without changing their annual motor insurance policy.

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The policy is available for eligible privately owned vehicles with a value of up to £50,000, whether the vehicle belongs to the learner or another person, provided all eligibility requirements are met.

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Using temporary cover can be a cost-effective way to gain additional driving experience before your practical test while keeping the vehicle owner's No Claims Bonus protected.

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Supervision Requirements

Learner Driver Insurance only provides cover while the learner is being supervised in accordance with the policy requirements.

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The supervising driver must:

• Be at least 25 years old.

• Have held a full UK driving licence for at least 3 years.

• Have been a UK resident for a minimum of 2 years.

• Not have a DR-coded motoring conviction relating to drink or drug offences within the previous 5 years.

• Remain in the front passenger seat while supervising the learner.

 

If the learner is driving without a qualifying supervisor, the policy does not provide cover.

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What Happens When You Pass Your Driving Test?

Learner Driver Insurance is intended only for provisional licence holders while they are learning to drive.

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Once you have passed your practical driving test, you will need to arrange a standard motor insurance policy before continuing to drive independently.

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The original product information also refers to a short period of cover for the supervising driver following the practical test. As the available information contains inconsistent wording about when cover ends, you should refer to the policy documentation or confirmation of cover for the exact terms.

Choosing the right Learner Driver Insurance starts with making sure both the driver and the vehicle meet the policy requirements. This temporary insurance is designed for eligible provisional licence holders who want to gain additional driving experience in a suitable privately owned vehicle while supervised by a qualified driver.

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The policy is intended for short-term learning purposes and is subject to both driver and vehicle eligibility criteria.

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Suitable Drivers

Learner Driver Insurance may be suitable for:

• Learner drivers aged 17 to 21.

• Drivers holding a UK provisional driving licence.

• Drivers who want extra practice before their practical driving test.

• Learners wishing to practise in a friend or family member's car.

• Learners who want to help protect the vehicle owner's No Claims Bonus.

• Drivers looking for flexible short-term insurance from 1 hour to 24 weeks.

 

Driver Eligibility Criteria

To be eligible for cover, the learner driver must:

• Be aged 17 to 21.

• Hold a valid UK provisional driving licence.

• Have no previous insurance claims, regardless of fault.

• Have no penalty points.

• Have a permanent UK address as declared during the application process.

• Meet the policy residency requirements.

• Be supervised by a qualifying driver aged 25 or over who has held a full UK driving licence for at least 3 years.

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Vehicle Eligibility Criteria

The insured vehicle must:

• Be a private car.

• Have a value between £1 and £50,000.

• Be covered by an existing underlying motor insurance policy.

• Be used for Social, Domestic and Pleasure purposes only.

• Start and finish journeys within the UK.

• Have no more than 5 seats.

• Have a valid MOT where required.

• Not be declared SORN with the DVLA.

• Not have been seized by the police.

• Meet the insurer's vehicle acceptance criteria.

 

The vehicle must not:

• Be imported or left-hand drive.

• Be modified, except where permitted for approved LPG conversions or adaptations for disabled drivers or passengers.

• Be used for hire and reward.

• Be used for motor racing, track days, pacemaking or motor trade purposes.

• Carry hazardous goods or be used in hazardous locations.

• Be owned, hired, supplied or operated by a Claims, Credit Hire or Accident Management Company.​​