Whether or not you need a learner's car insurance policy can depend on how you are learning to drive:

  • In your own car: You must have a learner drivers car insurance policy in place

  • In someone else's car: You must either get a learner drivers policy, or get the main driver to add you to their policy

  • With an instructor: You will not need insurance because you will be covered by your instructor and included in the fee you pay them

If you need a learner driver policy you must have a valid provisional driving licence in place. Find out more about how learner driver's insurance works, including how to find the best policy.

How long will you need a policy for?

You can get policies that last from one day to five months, the term you choose should be based on how long you think it will take you to pass your test.

Our comparison shows the policy term each insurer offers. If you have booked a test in the future, make sure you are covered up to this date.

If you want the cheapest possible policy, try to avoid paying for more cover than you need.

How much does your car cost?

Learner driver car insurance policies usually have a maximum value limit for the cars they will cover.

Look at the maximum vehicle value of each policy in our comparison so you can choose one that will cover your car.

Learner driver insurance FAQs

Q

Do I need insurance while I learn to drive?

A

Yes, you must be insured if learning in your car or someone else's. Find out how to get learner drivers cover here.

Q

What happens if I do not have car insurance?

A

It is illegal to drive in the UK without insurance it and you could face a fixed fine, six points on your licence and your car being seized and destroyed.

Q

What do I need to get learner insurance?

A

You will need to have a UK Provisional driving licence and be at least 17 years old. You will also need a qualified driver accompany you when you drive.

Q

Can I read reviews of learner driver insurers?

A

Yes, you can find reviews of all car insurers, including those that offer learner driver cover, on our car insurance companies page.

Q

What happens when I pass?

A

Contact your insurer to cancel your learner policy. They can upgrade your cover to a qualified policy, if not you can compare car insurance here.

Q

Why is young drivers' car insurance more expensive?

A

Young drivers are more likely to be involved in accidents and make insurance claims, so car insurers charge them more.