Learner Driver Insurance is exactly what it sounds like – car insurance for learner drivers. Because when you’re learning to drive, you still need to be covered to be on the road. The thing is, no two learner drivers are the same, which is why at InsureDaily we offer insurance for every type of learner. Whether you’re just about to learn to drive and are looking for insurance for the whole year, or your practical driving test is tomorrow and you need one day learner insurance to do a bit of last minute practice, we’ve got you covered.
InsureDaily is your one-stop-shop, for all learner insurance, so you can fill in a few details, compare the best prices, and be covered in just a few minutes. We know you don’t want to spend hours searching for the best deal or calling up insurance companies so we’ve made it as simple, fast and cheap as possible.
InsureDaily – Learner Driver Insurance Made Simple.
Learner Driver Insurance can be a confusing thing - do I need it for a day, a year, a month? Am I even eligible for it? We breakdown the main restrictions of our learner policies below, so you can get a quick idea if our flexible learner driver insurance is for you. You can also check out our full acceptance criteria if you prefer.
Unfortunately we cannot offer cover for bike learners, learner truck drivers or van learners.
We also cannot provide any learner driver cover for anyone over the age of 30, or offer cover for vehicles that are worth over £20,000 (learner’s car) or £25,000 (borrowed car).
This cover is also only for learners – (once you pass your driving test, this learner cover will end instantly and you will need to buy a new policy on a Full UK licence), and this cover will only be applicable whilst the vehicle is being used for tuition purposes and whilst accompanied by an appropriate supervisor within the limitations of the policy.
You are also not covered to drive on a motorway as a learner driver.
Learning to drive is expensive and it can take a long time to get your driving licence. The DVSA says that on average learner drivers need 45 hours of driving tuition (with a driving instructor) plus an additional 22 hours of extra driving practice. This is where learner driver insurance comes in.
When learning with an instructor you are covered under their insurance, however when you practice with a family member or friend, they will most likely not have insurance that would cover you to learn to drive in their car. InsureDaily offer top-up provisional insurance policies, so you can get the level of cover you need as a learner driver, and it won’t affect the vehicle owner’s no claims bonus (if you’re borrowing a car to learn in).
It may be surprising, but learner driver insurance is normally cheaper than most equivalent insurance policies for drivers with full driving licences. Insurers base prices off the risks that they assess and data suggests that learner drivers are less likely to have serious accidents that would cost insurers lots of money.
Of course, this doesn’t mean that learner driver insurance is cheap, but it can still save you money. Particularly with how expensive driving lessons can be, the more practice you can do with a family member or friend whilst covered on a flexible learner policy can save you a small fortune on driving lessons.
If you want to find out how much learner insurance would cost you, you can get a quote here in just a few seconds and get instant cover.
With some insurance policies you can add a learner driver as a named driver, but this can be very expensive, and you have to consider that it will then affect the no claim’s bonus on that policy. For that reason, separate, top-up learner policies like the ones offered by InsureDaily are popular with learners and parents alike!
As soon as you pass your Driving Test, you are no longer a 'learner driver' and your learner insurance will no longer be valid - you will need to get insurance for a Full UK licence before you are able to drive again. So, with our learner policies at InsureDaily, your policy will end once you have passed your test - so you won't be covered to drive home from the test centre - someone else, possibly the vehilce owner, will need to drive the car home, or you will need to arrange cover as a Full Licence holder.
It is against the law for a learner driver to drive without an appropriate supervising driver, so it is extremely important that you always drive with a supervisor, ensure they are able to legally supervise you and within the limitations of the insurance policy and they must always comply with the rules listed above.
If a learner driver is not supervised whilst driving they can receive a fine, penalty points or even a ban from driving altogether. You can read the full criteria here for supervisors when learning to drive with friends and family on the government website
Learner Drivers with InsureDaily can drive at any time of day, or night, as long as they follow the other restrictions of the policy – remember to be adequately supervised and to avoid motorways!
Also, when driving at night roads can be a little quieter, but it is still important that you remain within the speed limits for the road that you’re on.
Remember, learner drivers can get speeding tickets too – so pay attention to the speed limits and make sure you stay within them, getting points or fines as a learner driver can make your future insurance even more expensive!
The Learner Driver needs to be covered appropriately with insurance – whether they are learning to drive in their own car or a borrowed car they can get learner insurance to cover them learning in that car. The supervisor does not need to be insured, they simply need to be correctly qualified and fit the criteria stated above to be an appropriate supervisor to the learner driver.
When accompanying a learner driver, a supervisor cannot be on their mobile phone as they must follow by the same rules as they would whilst being a driver. This is due to the responsibilities that come whilst accompanying a learner, and they must be focused and prepared to help the learner driver should they need it.
If a supervisor does use a mobile phone whilst accompanying a learner driver they could get 6 points on their licence and face a hefty fine.
This question is a tricky one, and a lot more subjective. But there are some important things to consider when deciding what car to learn to drive in. Do you want to buy a car and learn to drive in your own car, or do you want to learn to drive in a friend or family member’s car, which will save you the money of buying a car before you can even drive it on your own. There is no right answer here, but you should decide this first.
If you do decide to buy a new car, our sister company at InsureLearnerDriver has done some great research into the 5 most popular and practical cars for learner drivers that can help you decide what first car you could get.