Learner driver insurance
Learning to drive is an expensive business with lessons in the UK costing around £20 per hour.
That’s not cheap but it could be worse; you could have to pay for separate insurance during your driving lessons too.
Fortunately, insurance costs are included in the cost of your driving lessons but remember, if you want to do any extra-curricular driving with friends, relatives or in your own car, you need to be insured.
That’s where knowing what’s what about learner driver insurance is important because it could save you money.
How is learner driver insurance different?
A learner driver’s insurance is different to a standard insurance policy because the driver in question does not hold a full driving licence.
Instead, all learner drivers require is a provisional driving licence to get learner driver insurance and unsurprisingly insurers deem learner drivers high risk, which is why prices can be high.
Learner policies also tend to be short-term ones because learners may pass their test within a few months and generally, it’s only Comprehensive policies that are available.
Different types of learner driver insurance?
There are three options for learner drivers to practice outside of their lessons:
- As a named driver on somebody else’s insurance policy
One of the most common ways for learner drivers to get on the road outside of lessons is by being a named driver on somebody else’s policy.
Usually this is a parent or relative’s car however it may increase their premium dramatically.
As with most learner driver insurance policies, being a named driver on somebody else’s policy is usually a short-term solution because it is difficult to predict when you will pass your test.
To drive this car you will need to have someone with a full driving licence, aged 21 or over, who has been driving for at least three years, in the car with you at all times.
- Your own policy on other cars
Some brokers allow learner drivers to take out their own insurance policy, which enables them to drive somebody else’s car.
These policies only permit you to drive a car when another driver over the age of 21, who has been driving for at least three years, is in the car with you.
This type of policy is a specialist learner driver one and is sometimes restricted to cars worth £20,000 or less.
It means you do not put the car owner’s insurance policy and No Claims Bonus (NCB) at risk in the event of needing to make a claim.
- Your own policy on your own car
Some learner drivers are in the fortunate position to be able to own a car.
You can get specialist learner driver policies for your own car, usually only Comprehensive cover and often on short-term contracts.
Again, for a learner to legally drive a car they own, they will require a learner driver insurance policy and another driver (aged over 21 who has been driving for at least three years) to be present when on the road.
Is it worth it for learner drivers?
Learning to drive is difficult, exciting and expensive all rolled into one.
Getting behind the wheel for that first time is usually a panicky mix of stalling, revving and sudden braking, and it can take some people a long time to progress from learner to driver.
That’s why it’s important, and advised by the Driving Standards Agency (DSA), to do some extra-curricular practice in a private car but you need insurance.
Why mustard.co.uk for learner driver insurance?
We compare insurance prices from the UK’s leading insurance brokers so that you get to pick from some of the most competitive prices online.
But if you’ve had enough of comparing learner driver insurance prices online then you can compare quotes over the phone as well (something you can’t do on any other insurance comparison website).†