What is learner car insurance?
It is a car insurance policy designed for learner drivers with a provisional licence.
It can cover you to drive your car, or a friend or parent's car, when you practice driving.
Can you get learner car insurance?
In order to get a learner insurance policy you will need:
A valid UK Provisional driving licence
To be at least 17 years old
You must also have a qualified driver with you when you drive. They must be over 21 years old with at least 3 years driving experience, however some insurers specify they must be at least 25 years old.
Do you need it to learn in your own car?
Yes. If you have bought your own car to learn in you will need to take out a learner car insurance policy.
You must display 'L' plates on the front and back of the vehicle when you are driving as a learner driver
You can take out a learner policy for:
A short period of 1 day up to 5 months
A year with annual learner car insurance
Which length you choose depends on how long you think it will take you to pass your test.
Once you pass contact your insurance company who will cancel your learner cover.
Most providers will not reimburse you for any cover you have not used but there is usually no cancellation fee to pay.
You should then compare car insurance for qualified drivers to make sure you get the best cover to drive as a fully qualified driver.
Do you need it to learn in someone else's car?
Yes. If you do not have a car of your own you still need cover to drive a friend or parent's vehicle.
To get insured on someone else's car you have two options:
Take out a learner car insurance policy: If you choose this option the car owner must have their own car insurance policy in place.
Get someone to add you to their policy: This can be expensive for the policyholder, and also means that if you have an accident it could affect their no claims bonus. Find out more about driving on someone else's policy here.
Do you need it for driving lessons?
No. If you only drive with a professional driving instructor you do not need to worry about learner car insurance.
The fee you pay for your driving lessons will include the cost of car insurance cover, which should be arranged by your instructor.
How much does it cost?
Lessons can cost between £20 and £35 per session. On average it takes 45 one hour lessons to pass your test, with at least 22 hours of private practice*.
Typically it costs between £2 and £5 per day, but the exact cost will depend on a number of things including your car and where you live.
Most car insurers will only offer you cover if you have passed your driving test, so make sure you shop around and look at companies that specialise in car insurance for learner drivers.
When you pass your test you will need to get car insurance as a new driver.
This can be expensive, so find out how to get the best possible deal on new drivers car insurance.