Car Insurance For Learner Drivers

You must be insured on the car you’re going to learn to drive in. The minimum insurance required is third party insurance.

If you’re learning to drive in an approved driving instructor’s car, the driving instructor is responsible for insuring the car and their student drivers.

Your insurance can be added to the car owner’s insurance policy as a ‘named driver’, although this means their no claims discount can be affected should you make a claim.

Alternatively, you can take out ‘learner driver insurance’ on the car you’ll be driving. By doing this you have the advantage of building up your ‘no claims bonus’ which should reduce your insurance costs in the future. You should check with the insurance company that any claims will not affect the car owner’s own insurance.

Some insurance companies stipulate that the person supervising the learner driver must be 25 years of age (rather than the DVLA’s requirement of 21 years of age), so make sure you check the policy carefully.

If you’re planning on having driving lessons with an instructor in your own car, check with your insurance company first as some policies do not cover this.

It can be possible to get temporary or short term insurance for learner drivers, which may be useful if you’re planning on taking your test quickly and aren’t going to be driving for a while afterwards.

Once you’ve passed your test, if you plan to continue driving you’ll need to notify your insurance company and change your insurance policy.

Tips on getting cheaper car insurance

  • Use a small car with a small engine size. 1l or 1.2l or less would be ideal.
  • Use a cheap car.
  • Consider choosing a black box policy. Some insurers offer a black box which monitors your driving and adjusts your costs depending on how safely you drive.
  • Don’t modify your car – this often leads to an increase in insurance costs.
  • However, sometimes adding security measures such as an alarm, immobiliser or tracking can reduce your costs (check with your insurance provider).
  • Pay annually rather than monthly. This normally reduces the cost.
  • Compare quotes from various providers. Also ring them to try to get the best quote and compare the ‘over the phone’ prices with online prices.
  • Being a named driver on an older person’s policy such as a parent can be much cheaper, especially if they have built up their no claims bonus. However, this does mean that you’ve not got your own insurance and so are not building up your own no claims bonus, so it will take longer for you to reduce your own insurance costs in the future. You may also affect the no claims bonus on the policy you are named on if you need to claim.
  • Consider increasing the policy excess. If you can afford to pay more in the event of an accident or claim, it should reduce your premium.

Browse our list of car insurance companies for learner drivers here.