Learner Car Insurance
Shopping around for your Learner Car Insurance can deliver the most suitable motor policy and protection level. The right cover for you and your vehicle will give you peace of mind during your time spent learning to drive.
You could save money today!
Click through on the ‘Get a Quote’ button above to compare learner driver car insurance quotes from leading UK motor insurers, and obtain the most suitable fully featured cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
Top 6 FAQs on Learner Driver Car Insurance in the UK
1. Do learner drivers need their own insurance in the UK?
Yes — anyone practising driving on UK roads must have valid insurance. Professional driving lessons with an approved instructor are usually covered as part of your lesson fees, but if you’re practising independently (e.g., in a family member’s car), you must either be added to their insurance or take out a learner driver insurance policy.
2. What do I need to qualify for learner driver insurance?
To get learner driver insurance you generally need:
A valid UK provisional driving licence
To be at least 17 years old
A supervised car that’s taxed, MOT-valid and roadworthy
A supervising driver (over 21 and with a full licence held for at least 3 years) when practising outside lessons.
3. Can I insure my own car as a learner driver?
Yes — you can insure your own car while you learn, but policies vary. Some insurers offer learner insurance that covers you driving your own car; others require the car to have another valid policy in place and provide learner cover specifically while you’re driving. Always check the policy details.
4. How does learner driver insurance work?
Learner driver insurance (often called provisional insurance) is a temporary or standalone policy that legally covers you to drive while learning before you pass your test. It can be bought for short periods (e.g., days or weeks) depending on the provider and your needs.
5. What happens to my insurance after I pass my driving test?
Most learner insurance policies do not cover you once you’ve passed — you’ll need to arrange new insurance as a newly qualified driver. Driving with only learner insurance after passing is illegal.
6. What does learner driver insurance typically cost?
Costs vary depending on the insurer, how long you need cover, your age, and the car you’re learning in. Temporary learner cover can start from a few tens of pounds for a day or week of cover, while annual or longer policies cost more. Many insurers and comparison sites can quote you tailored prices.
Why you need to be Insured
Car insurance for learner drivers will protect a driver against liability in the event of an accident(s) they may cause. The Road Traffic Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other people’s property resulting from use of a vehicle on a road or other public place. It is an offence to drive your car or allow others to drive it without insurance.
If you are a teenager and finding it difficult to attain a competitive quote then it could well be worthwhile in making some initial online enquiries. For your first learners policy there are three levels of cover from which to choose:
• Third Party – The minimum legal cover allowed and comparatively cheap.
• Third Party Fire and Theft – Third Party protection with Fire and Theft cover added.
• Fully Comprehensive – Most expensive and covers everything: car damage, personal injury, and any third party’s vehicle and property.
Some of the best insurers will offer special learner car insurance rates for provisional licence holders, flexible payment options, legal cover and repayment protection.
If you know your preferred provider then you can select from and obtain an online quote from several different insurers, all delivering competitive quotations based on your individual learner driver motoring profile. Further information for learners can be found over at the GOV.UK website.
