Learner insurance is a car insurance policy designed for learner drivers. Whether you need learner driver insurance or not depends on how you’re learning to drive. There are three ways you might be learning:
In your own car: You need to have a learner insurance policy in place
In someone else's car: You must either get a provisional insurance policy, or ask the main driver to add you to their policy.
With an instructor: You don’t need learner insurance because you’ll be covered by your instructor. The provisional insurance costs are included in the fee you pay them.
To get provisional driver insurance, you need to be at least 17 and have a valid provisional driving licence. It’s illegal to drive in the UK without insurance.
Find out more about how learner insurance works. This includes how to find the best learner driver insurance and what to do if you need cheap learner insurance.
Learner driver insurance if you own a car
If you’ve bought your own car to learn in, you’ll definitely need learner car insurance, as well as ‘L plates’ on the front and back of your vehicle.
Once you’ve passed your test, you’ll need to contact your insurance company to ask them to cancel your learner car insurance. Most providers don’t reimburse you for the provisional car insurance cover you haven’t used, but there’s usually no cancellation fee to pay. Once that’s sorted, you’ll need to compare car insurance for qualified drivers to make sure you get the best cover for a fully qualified driver.
How much does your car cost?
Most learner car insurance policies have a maximum value limit for the cars they’ll cover.
When you’re getting learners’ insurance quotes, you’ll need to check the maximum vehicle value of each policy to make sure it’ll cover your car.
How long will you need a policy for?
This depends on how long you think it’ll take you to pass your driving test. You can either get short-term learner driver insurance or an annual policy.
You’ll be able to find temporary learner insurance policies that give you learner insurance for a day, right up to five months.
If you’ve already booked your driving test, make sure you’re covered up until that date.
How can you find a cheap learner insurance policy?
If you’re looking for cheap learner driver insurance, it’s really important to make sure you get the right type for your needs.
Cheap learner insurance can be tricky to find. This is because young drivers are more likely to be involved in accidents and make insurance claims, so car insurers charge them more.
If you’re learning to drive in your own car, you’ll need your own policy, which might make it a little harder to find learner driver insurance.
If you’re learning to drive in someone else’s car, you can either get your own policy. But you could also ask the person whose car it is to add you to their policy which can be a good way to get cheap learner insurance.
And if you’re having driving lessons with an instructor, you won’t need your own provisional driver insurance at all.
The best way to find cheap learner insurance is to compare learner insurance policies. Just enter your car registration number and details at the top of this page to see what options are available to you.
To get the most affordable insurance, you should try to avoid paying for more cover than you need.
Most car insurers will only offer you cover if you’ve already passed your driving test. So make sure you shop around and look at companies that specialise in car insurance for learner drivers.
Use our comparison service at the top of this page to find the best learner driver insurance from the best-known providers. We’ll show you some of the best learner driver insurance policies from smaller insurance companies, too.
I passed my test! What now?
The first thing you’ll need to do is to contact your insurance company to ask them to cancel your learner car insurance.
After that, it’s time to find car insurance for new drivers. This can be expensive, so find out how to get the best possible deal on new drivers car insurance.