Insuring a Learner Driver Guide

Black Box insurance 

This is a good option if you have your own car while you’re learning, but it will add an additional cost to the overall process. If you pass your test, you’ll need to update your policy and might be liable for a cancellation fee, too.

Adding a learner driver to your existing policy

This might seem like a convenient choice, but it’s essential to consider the costs involved – as provisional drivers are regarded as higher risk by insurers – and how often the practice will take place. You don’t want to pay an additional premium to add a learner driver to the insurance policy, only for the car to be used a handful of times!

Depending upon your existing policy, you might also face losing your no claims bonus if a provisional driver is behind the wheel.

Temporary learner driver insurance

This offers a flexible and much more cost-effective solution. With temporary cover, you only pay for the times when the learner will actually be driving the car, making it an excellent choice for occasional practice sessions. Temporary learner driver insurance also provides the added benefit of protecting your no claims bonus, while keeping ongoing costs significantly lower than other options. 

Whichever solution you opt for, it’s worth comparing prices and using a cost calculator to work out which option gives you the best bang for your buck.