Essential for a learner driver, this provides roadside assistance and support if your car breaks down.

Reduces the amount you pay out of pocket when making a claim.

Keeps you on the road with a replacement vehicle while yours is being repaired.

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LearnerDriver Car Insurance

Q: Motor legal protection

Covers legal costs if you need to pursue or defend a claim following an accident.

Q: Personal accident cover

Provides financial support if you are injured while driving.

Driving can feel unfamiliar at first, especially for provisional licence holders. As you begin practising, it’s important to consider the cover you need, including learner driver car insurance, which provides the required legal protection. Comparing learner policies early helps you find an option that supports your learning needs and fits your budget.

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Make sure to compare different learner cover options to find a policy that matches your needs and budget!

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Just follow a few simple steps to find the right insurance:

Tell us about yourself

Share a few details like your age, address, job, and driving history to receive a tailored car insurance quote.

Add your car details and cover preferences

Enter your vehicle's make, model, and any modifications. Then let us know how you use your car and choose the type of cover you need.

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You'll see multiple driver policies side by side. Compare learner driver insurance with us and pick the option that works for your money!

What is learner driver insurance?

Learner driver insurance allows provisional drivers to practise while staying protected.

This type of insurance lets you drive a family member's or friend's car while maintaining their existing car insurance. You can be added as a named driver on their insurance, or use dual insurance that will provide cover for both the learner and the vehicle.

Do learner drivers even need insurance?

Car insurance for learner drivers is a legal requirement and helps protect everyone on the road. The learner should always be accompanied by a qualified driver with a full UK driving licence. That person doesn't have to be the main driver on the policy, but they must have held a driving licence for at least three years.

While supervising a learner driver, the other driver must make sure the vehicle is roadworthy and that all practice takes place safely. At the same time, the learner driver must also have valid insurance whenever they are practising.

How much is learner driver car insurance?

The cost of learner driver car insurance varies depending on age, location, and the type of car. If the car insurance covers damage to the vehicle and liability for third parties, it will generally be more expensive.

Type	Median cost paid for annual car insurance (January 2025)
Fully comprehensive	£418*
Third party, fire and theft (TPFT)	£408*
Third party only (TPO)	£559*

*Disclaimer: Quotes shown are for illustration purposes only. Actual premiums depend on individual circumstances and are subject to insurer verification.

Updated on 04 December 2025

What type of car insurance is best for learner drivers?

The right learner insurance policy depends on the vehicle you will be driving and the level of protection you need.

Third-party insurance

This is the most basic type of insurance, just enough if you need insurance for your own car. It covers damage or injury to other people and their property, but does not cover your own vehicle.

Third-party, fire and theft insurance

This provides extra protection if you're driving someone else's car. This type of cover protects the car owner's vehicle against fire damage or theft, while still covering third-party claims.

Comprehensive insurance

This option gives the most complete protection for your car. It covers any damage to your own vehicle as well as claims made by third parties.

Disclaimer: Coverage suitability depends on your individual needs and circumstances. Consider your vehicle value and personal preferences when choosing.

What length of cover should I get?

Every learner should have the right cover behind the wheel. You can take out learner driver insurance as a separate policy or add provisional insurance to an existing car.

Short-term cover suits those practising for a few days or weeks. Learner drivers can also take out annual policies, though this usually provides more cover than they actually need.

How to lower your car insurance as a learner driver

Learner drivers may face higher insurance costs, but there are ways to bring premiums down:

Pay annually

Pay annually to reduce the overall cost.

Compare cover levels

Compare cover levels to find the best fit for your needs.

Increase your voluntary excess

Accept a higher voluntary excess for lower premiums.

Reduce your mileage

Minimise driving your own car to reduce your mileage.

Choose Secure Parking

Park securely to protect your vehicle and lower the risk.

Avoid Vehicle Modifications

Avoid modifications that increase insurance costs.

Take Advanced Driving Lessons

Take lessons in your own car as part of an advanced course to prove skill and responsibility and become a safer driver.

Compare Insurance Options

Shop around to see which options your insurance allows you to get.

What affects the price of my car insurance premium?

Many factors influence how much your insurance will cost, especially for learner drivers:

Age and experience

Younger or less experienced drivers typically face higher insurance costs.

Type of car

High-performance or expensive vehicles increase your premium.

Location

Areas with higher traffic or theft rates push up the price.

Driving history

Any previous accidents or claims affect how much your insurance will cost.

Coverage level

Comprehensive policies cost more than third-party only.

Is black box insurance good for learner drivers?

Absolutely. Black box offers detailed feedback on driving habits and rewards safer behaviour. For learner drivers, this type of insurance provides a way to demonstrate responsible driving and reduce premiums over time.

What optional extras do I need?

In addition to standard cover, learner drivers can choose optional extras to make their policy more complete. Here are some common ones to consider:

Breakdown cover

Motor legal protection

Personal accident cover

Excess protection

Courtesy car cover

What details do I need to get a car insurance quote?

Before you get a quote, it helps to have some details ready. This ensures the car meets the requirements set and that you have valid insurance in place. You’ll usually be asked for:

Age
Occupation
Home address & where the car is parked overnight
Car usage (social, commuting, business)
Estimated annual mileage
Driving licence number
Car registration number
Purchase date of the car
Vehicle modifications
No Claims Discount
Accident/claims history (last 5 years)
Convictions or penalties (last 5 years)
Additional drivers

After arranging your cover, keep your insurance policy documents handy so you can show proof of insurance when driving your car.

FAQ

Is learner driver insurance different from standard car insurance?

Can I get learner driver insurance without owning a car?

Does learner driver insurance cover me while taking my driving test?

What happens to my learner driver insurance once I pass my test?

Can I choose between short-term and annual learner driver insurance?

Is comprehensive cover available for learner drivers?

Are there any discounts for low-mileage or telematics (black box) policies?

Can I pay monthly for learner driver insurance?

How soon does my learner driver insurance start after purchase?

Can I use learner driver insurance to drive abroad?

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