Essential Information for Learner Drivers
There's a lot of new information to take in when you're learning to drive. We've answered your most frequently asked questions about insurance for learner drivers.
Click to be taken quickly to the following information:
- Do learner drivers have to be insured?
- Do you need your own insurance if you're learning to drive with an instructor?
- Insurance for learner drivers in their own car
- Learner driver insurance and private land
- What's the cost of learner driver insurance?
- Temporary and short term learner driver car insurance
- Annual provisional insurance policies
- What happens with my insurance after I pass my driving test?
- Learner drivers with points and convictions
Do learner drivers have to be insured?
Yes, one way or another, whether that's through your driving instructor's own insurance, your parents' if you practice in their car, or a policy of your own. It's the law.
Do you need your own insurance if you're learning to drive with an instructor?
If you've signed up for a course of driving lessons with an approved instructor and will only be driving their car, your driving instructor is responsible for insuring the car and his student drivers.
Insurance for learner drivers in their own car
You'll probably want to practice your driving skills at other times, away from your driving instructor - perhaps you already have your own car or your parents are willing for you to practice in theirs. In these circumstances you will either need to have your own learner driver insurance policy or be insured as an occasional named driver of your parents' vehicle on their policy.
It's probably a good idea to take out insurance in your own name if you have your own car as you will immediately start to build up your own no claims bonus. At the end of the day it's the fastest way to start reducing your annual insurance premium. Beware of "fronting" - you could invalidate your cover by being a named driver on someone else's policy if you're the main driver.
Learner driver insurance and private land
It's a misconception that if you drive on private land with a provisional licence you don't need insurance. This is only true if you have a right to use private land to which the general public does not have access (e.g. via a footpath or bridleway). If the private land is not totally exclusive to your own use, you must be insured and be supervised, just like any other provisional licence holder.
What's the cost of learner driver insurance?
That will depend on a number of factors, such as your age, the type of car you drive and where you live. Call us on 0844 573 0437 for a quote.
Temporary & Short Term Learner Driver Insurance
If you are taking an intensive course of driving lessons, or gaining experience on the road before your test, you may only require short-term or temporary cover. Our learner driver insurance provide flexible cover from one week to 6 months.
If you are taking a more leisurely approach to passing your test (or just having some bad luck!), don’t worry – annual insurance policies for provisional licence-holders are also an option. Contact us for details.
Being young and inexperienced needn't mean that car insurance is sky-high! Whatever type of insurance you need while you’re learning to drive, we can help you find affordable quotes.
What happens with my insurance after I pass my driving test?
You should let us know as soon as you pass your driving test and no longer need learner driver insurance.
If you already have your own car, we'll talk to you about taking out a New Driver insurance policy. If you don't you'll need to ensure you're named as a driver on any other car you drive, such as your parents' car.
Insurance for learner drivers with points and convictions
Ask us for an insurance quote if you're a learner driver with points or convictions. 4 Young Drivers can often obtain rates for drivers in such circumstances.
You might also be interested in:
Rules for Supervising Learner Drivers: What are your legal obligations when you supervise a someone who hasn't yet passed their driving test? in their own car or in yours?
Learner Driver Rules: What are the rules about driving, being supervised, your car and the driving test? Read this handy guide.
Pass Plus Driver Training: What is the Pass Plus training course?