Compare learner driver car insurance

& provisional car insurance quotes

Learning to drive is a major milestone, it’s also exciting and daunting in equal measures. Find car cover you can rely on and compare cheap learner driver insurance quotes with mustard.co.uk

Jump to section

  • What is learner car insurance?
  • Levels of cover
  • How long are policies?
  • Insuring your own car
  • Adding a provisional licence holder
  • Supervising a learner driver
  • Cover after you’ve passed
  • Useful Links
  • Customer Reviews

Jump to section

  • What is learner car insurance?
  • Levels of cover
  • How long are policies?
  • Insuring your own car
  • Adding a provisional licence holder
  • Supervising a learner driver
  • Cover after you’ve passed
  • Useful Links
  • Customer Reviews

Do learner drivers need insurance and what’s the cheapest way to insure a learner driver?

If you’re learning to drive in your own car or someone else’s, then yes – you’ll need to arrange appropriate cover. 

You can do this by taking out learner driver insurance for your own car or you can add yourself as a named driver to someone else’s policy. 

If you’re having lessons with a driving school, they usually provide learner driver insurance as part of the cost, so you won’t need to arrange separate cover.

Cheap learner driver insurance

Despite learner driver insurance in the UK being pricey, there are ways to keep costs under control – here are some tips:

  • Pay for your policy upfront – monthly instalments often include additional interest fees increasing the overall cost of your policy.
  • Increase your voluntary excess – this can lower your overall premium but it has to be paid for a claim to go ahead so make sure it’s still affordable.
  • Boost security – keep your car as secure as you can, immobilisers and trackers can be a cost-effective way to do this and could lower your premium.
  • Consider a telematics policy – your driving is monitored using a telematics device fitted to your car with premiums reflecting the way you drive. If you drive consistently well, you could see insurance costs fall faster compared to other policies. Telematics is also known as black box insurance

Compare learner car insurance quotes

Comparing car insurance for learner drivers means you can find a deal that fits your needs and your budget. 

At mustard.co.uk, you can search for provisional car insurance from a range of leading UK insurers. Plus, our Cheapest Price Guarantee means you can be confident about getting value for your money.

We’ve got loads of really useful info that can help answer your questions about getting behind the wheel:-

Start comparing insurance quotes today!

Learner Driver Car Insurance FAQs

What is learner car insurance?

Learner car insurance is designed for drivers who are just getting started behind the wheel.

To qualify for learner car cover, you’ll need to live in the UK permanently, have a UK provisional driving licence, and be at least 17. The car you drive will also need to be registered and have a valid MOT. 

Insurers may also have other conditions you need to meet, for example, there might be a limit to the value of the car you can drive. 

It’s also worth knowing that Learner driver insurance in the UK is typically aimed at young drivers from age 17 and policies sometimes have upper age limits in place – for example, some insurers cap learner driver insurance at age 35. This limit varies by insurer so it’s just something to be aware of if you’re a mature learner.

What does car insurance for learner drivers cover?

Learner driver insurance in the UK provides the same level of protection as other types of car insurance. What’s covered will depend on the type of policy you choose – there are three main policy types to consider: 

  • Third-party only – compensates other people for injury or damage you cause. This won’t pay to fix your car or compensate you for any injuries you have. This is the minimum you can have by law. 
  • Third-party, fire and theft – provides third-party only cover and will also compensate you if your car is stolen or damaged by fire.
  • Comprehensive – includes third-party, fire and theft and will also cover the cost of damage to your own car if you have an accident – even if the accident was your fault. 

You should bear in mind that most insurers only provide learner car insurance as a comprehensive policy. Third-party policies are available, but choice may be limited.

How long does learner driver car insurance last?

As well as choosing the level of cover, you’ll need to consider the length of your policy. If you have your own car, an annual policy makes sense as you’ll be covered for the whole 12 months. 

If you don’t want to commit to an annual policy, you can buy short-term or temporary learner driver insurance instead. Most short-term policies are very flexible so you’ll be able to arrange learner driver insurance for a day or up to a few weeks depending on what you need. These policies could be the most cost-effective option if you’re practising in someone else’s car on the run up to your test. 

If you’re regularly using someone else’s car you could also set yourself up as a named driver. Most policies need the main and named driver to live at the same address but if you don’t (for example if you’re borrowing a parent’s car but they don’t live with you) then ask the insurer what options you have. 

 

Can I get learner driver insurance for my own car?

Yes, if you’re lucky enough to have a car, you’ll be able to insure it with your own policy, even if you only have a provisional licence. 

If you do have your own car but aren’t practising in it all the time, you might find short-term car insurance is more suitable. If that’s the case, you’ll need to check what the insurer’s rules are when it comes to short-term cover. While some are happy to provide cover on a temporary basis, others will only provide short-term learner driver insurance if it sits alongside someone else’s policy. 

 

Can a provisional licence holder be added to an existing policy?

Yes, you can ask to be included as a named driver on someone else’s policy. 

Being added as a named driver can be the cheapest way to insure a learner driver but you should know that it will increase the policy holder’s premium. If you make a claim, it will also affect the policy holder’s no claims bonus. 

 

Does my insurance already cover learner drivers?

Car insurance typically only covers the people named on the policy, but insurers set their own terms and conditions so see what yours says in relation to learner drivers.  

Remember though, adding a named driver to your policy can affect your premium and your no claims bonus.  

 

Do learner drivers need to be supervised?

Learner drivers must be supervised when practising. The person supervising must:

  • Be over 21
  • Be qualified to drive the type of car you’re learning in. For example, if you’re driving a manual car, they must have a licence to drive one
  • Have a full driving licence and have had it for at least three years. Licences must be from the UK, the EU, Switzerland, Norway, Iceland, or Liechtenstein

Do I need insurance to supervise a learner driver?

If a learner driver is using your car to practise, check whether your policy has any restrictions or conditions that relate to learner drivers. If there are, you’ll need to arrange adequate cover which you can discuss with your insurer. 

 

Does learner car insurance cover me after I’ve passed my test?

No, learner car insurance doesn’t cover you after you’ve passed your driving test. 

When you pass your test, you’ll need to update your car insurance before you can drive again. If you don’t update your policy there and then, you’ll need to arrange for someone else to take you home until you can organise your policy. 

 

Is learner driver car insurance expensive?

Car insurance for learner drivers can be expensive compared to policies for other age groups. That’s because inexperienced, and particularly young drivers, are statistically at greater risk of having an accident.

If you’re looking for ways to lower the cost of learner car insurance, you might want to consider a black box policy. Also known as telematics insurance, your driving is monitored using a telematics device fitted to your car. Using this information, insurers can then calculate your premium on the way you drive rather than basing it on general statistics.  

 

What information do I need to get a learner car insurance quote?

When you search for learner car insurance, you’ll be asked for details of the car you’re driving. This can include the make, model and year of registration (which you can find in the car’s logbook). 

You’ll also be asked for personal details including things like your date of birth, address and job title. If you’re a student and have a part-time job you should put down the one you spend most time doing but also let your insurer know about any other occupation too (for example if you’re an apprentice). 

 

Compare learner car insurance

At mustard.co.uk, it’s easy to compare car insurance for learner drivers from leading insurers. Simply fill in our online form to find great deals or call an expert advisor on 0330 022 8814. 

 

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