Learner driver insurance

On this page

Learner driver insurance lets you practice between lessons

Learner insurance enables you to practice driving in a friend’s or family car between driving lessons.

Provisional 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 provisional insurance?

With most provisional 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.

22 hours

Learner drivers who have an average of 22 hours of practice with a family member or friend on top of their driving lessons are more likely to pass their driving test at the first attempt.

Source DVSA, 2020

Who can supervise when you’re learning to drive?

The supervising driver must meet the requirements of the provision 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:

  • Provisional insurance cover is usually available for 30, 60 or 90 days and renewable until you pass.
  • Gives you the chance to start building your NCB 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 impose 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).


Just because someone has a driving licence, it doesn’t mean they’re qualified to supervise you. Don’t get caught out.