Learner driver insurance
Learner Driver Insurance for young drivers allows you to practice in a friend’s or family car without risking the owners No Claims Bonus
Learner driver insurance allows you to practice between lessons
Learner insurance enables you to practice driving in a friend’s or family car between driving lessons.
Learner insurance is comprehensive cover:
- As the Learner Driver, you take out the coverage in your name.
- In the event of a claim, the car owners NCB is not affected.
What cars can you drive with learner driver insurance?
With most learner driver insurance policies, the car:
- Must have primary Insurance in the owner’s name.
- Be limited to a value of, usually £30,000 and Insurance Group 32.
- Be no more than nine years old.
Driving practice improves your chance of passing the driving test
Ninety per cent of young drivers who pass their test first time has driven in a family or friend’s car in addition to driving lessons.
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Who can supervise when you’re learning to drive?
The supervising driver must meet the requirements of the learner driver insurance policy.
- Be a qualified driver and have sufficient experience.
- The legal age limit to supervise someone driving is 21 years old – But most insurance companies offering learner driver insurance will require this person to be 25 plus.
- Have held a valid GB – NI or EU driving license for at least three years.
What are the benefits of learner driver insurance
These are the key advantages of taking out learner driver insurance cover:
- Learner driver insurance cover is usually available for 30, 60 or 90 days and renewable until you pass.
- Gives you the chance to start building your No Claims Bonus before you have even passed your driving test.
- The learner driver insurance is Fully Comp so if you are in an accident, your fault or not, the Policy will cover any claim.
- Most of these provisional driver policies require anyone who is supervising you to be 25 plus and have owned a Full UK license for at least three years.
- Most learner driver insurance imposes restrictions such as a driving time of 6 am to 10 pm, which reduces the cost.
A typical twelve-week policy should cost between £2 and £3 per day (£60 and £90 a month).
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