How do I get cheap learner driver insurance?
Learning to drive should be a new and exciting experience but the reality is that passing your test and getting your licence can be stressful and expensive. The cost of a provisional licence and professional lessons can be an expensive commitment.
Insurance companies base their policy prices on risk. That’s why learner drivers with little driving experience who want an annual 12-month policy often struggle to find competitive insurance prices.
But there are ways that could help you save some money:
- Consider the car you drive
- Black box, or telematics
- Increase your voluntary excess
Consider the car you drive, if possible. Car insurance companies group all cars from 1-50 for insurance purposes. Generally, the higher the car insurance group, the more expensive your insurance is. Cars with more powerful engines, for example, are generally in higher insurance groups.
Black box, or telematics, is a type of policy that changes the price of your insurance based on how and when you drive. Your insurer tracks how you drive using an app or a device that’s plugged or installed in your car. They should reward safer driving with cheaper insurance. Telematics can be a great way to make car insurance more affordable for young and inexperienced drivers.
Increase your voluntary excess. Voluntary excess is the amount you’re willing to pay towards repairs in event of a claim, this can help reduce the price of your insurance. But remember not to go for more than you could realistically afford to pay if you needed to make a claim.
Need more help?
The driving test is regularly being updated to adapt to changes in driving technology and habits. In 2017, changes to the driving test included following directions from a sat nav. The independent driving part of the test also increased from 10 to 20 minutes.
Reversing around a corner is no longer part of the test, along with 'turn-in-the-road'. Instead you could be asked to do one of the following:
- Parallel park at the side of the road
- Pull up on the right-hand side of the road reverse for 2 car lengths and rejoin traffic
- Park in a bay- driving in and reversing out, or reversing in and driving out
The Highway Code is also under regular scrutiny. In January 2022, several Highway Code rules were changed including:
- Changes to the hierarchy of road users
- New rules around giving way to pedestrians
- Updated rules around overtaking cyclists and vulnerable road users
Yes, learners can drive at night as long as you’ve got a qualified driver with you in the car. Some advanced driving courses like Pass Plus provide extra training for night driving. But it’s perfectly legal to do so while you’re still learning.
It’s up to the owner of the car how often named drivers can use their car. From an insurance point of view, it’s important that the owner is the one who drives more. Insuring a younger inexperienced driver as a named driver and letting them drive it more than you is called car insurance fronting. This is illegal and could invalidate your policy.
No. Dual insurance is when you have 2 people being insured to drive the same car on 2 policies. This could be someone taking out a temporary car insurance policy instead of a single policy being used to insure a main driver and a named driver.
If you have a provisional licence you need learner driver insurance to drive your own car. The benefit is that you get to drive your car legally and aren’t at risk of being caught driving without insurance.
Access to a family car gives you more opportunity to practice driving and could reduce the number of lessons you need to shell out for. By using your own policy on a family member’s car, their all-important no-claims bonus isn’t affected if you need to claim.
You won’t need to supply your insurer with specific documents to get a learner driver insurance quote. But you do need the details of your provisional driving licence to hand.
Your learner driver insurance isn’t valid once you’ve passed your test and have a full licence. You either need to get your insurer to update your policy or cancel it and get a new one. If you’ve taken your test in your own car, check that your instructor or another driver is covered to drive you home.
These are 2 different names for the same policy. They cover learner drivers with provisional licences while they practice driving with a family member or friend.
Anyone can supervise a learner driver, so long as:
- They’re over the age of 21
- They’ve held a full licence for at least 3 years
No. One of the key benefits of taking out your own insurance to drive somebody else’s car is that their no-claims bonus isn’t affected if you need to claim.
It’s illegal for a learner driver to be alone on the road. You must be with a qualified driver at all times while you’ve still got your provisional licence.
If you’re caught driving alone, you could get a fine and points on your licence.