Why Learners Need Separate Cover
Practising in a family member’s car is common, but relying solely on their insurance can be risky. If you crash, their no claims discount could be lost, raising their premiums for years. Learner driver insurance solves this problem by creating a separate policy that protects both you and the car owner.
Types of Learner Driver Insurance
- Short-term learner policies – cover from a few days up to several months. Perfect for holiday practice or intensive lessons.
- Annual learner policies – for learners who expect to practise regularly over a longer period until passing the test.
Benefits of Learner Driver Insurance
- Protects the car owner’s no claims discount
- Flexible terms to suit your learning schedule
- Often cheaper than being added as a named driver
Scenario Example
A learner practises in their parent’s car. Without learner insurance, any accident would increase the parent’s premium. With learner insurance, the policy covers the damage, leaving the parent’s no claims bonus untouched. Peace of mind all around.
Buying Online
Most learner driver policies can be arranged instantly online. You’ll need:
- Your provisional licence details
- The car’s registration
- The supervising driver’s details
Cover can start within minutes, letting you practise the same day.
FAQs About Learner Insurance
Can I use it with any supervising driver?
The supervising driver usually needs to be over 21 and have held a licence for at least three years.
Does learner insurance include the driving test?
Yes, many policies cover learners during the driving test itself.
Is it cheaper than being added as a named driver?
Often, yes - especially if you plan to practise a lot over several months.
Summary and Conclusions:
Learner driver insurance gives freedom and protection in equal measure. Buying online means instant access to flexible policies that support your learning journey whilst protecting those helping you practise.