The Cost of Adding a Learner to Your Insurance

How Much Does It Cost To Add A Learner Driver To Your Insurance?

The cost of adding a learner to your insurance can vary greatly. You can expect your premium to rise by hundreds of pounds; in some instances, adding a high-risk provisional driver to your car’s annual insurance could even push the price up by over £1,000.

On top of the premium increase, most insurers will also charge an administration fee (usually between £25 and £50) just to make the change to your policy.

Adding a learner to your insurance as a named driver is an expensive process, but the potential costs don’t stop there. Going down this route could also leave you paying out even more in the future, as it puts your no-claims discount at risk…

So, How Much Does Learner Insurance Cost?

Dedicated learners’ insurance is a fantastic alternative to naming them on your own insurance policy.

Temporary learner driver insurance costs start as low as £19.14 for an hour, which is ideal if you’re just looking to bank more driving hours before test day. For longer-term use, you’ll be looking at around £24.54 for a day or from £55.45 for a week.

Compared to the hundreds to thousands of pounds it can cost to add a learner to your policy, temporary cover can easily be the cheaper choice. Add to that the benefit of it being a standalone policy, and it’s easy to see why the best way to insure a learner isn’t by adding them to your policy at all.

Why Is It Expensive To Add A Learner Driver to Insurance?

Insurers work on a risk basis, and understandably, provisional licence holders pose a risk to the roads. Statistically, younger and less experienced drivers tend to experience more accidents, which means the amount needed to insure them is higher.

The risk they can pose to the roads is reflected in the way the government’s Ready to Pass campaign has shifted its focus from advising learners to get a recommended amount of hours under their belt to pass, to encouraging real readiness and comfort on the road.

They’re advising that the way to help a learner is to ensure they don’t take their test until they’re 100% ready. This is arguably to avoid more young drivers on the road who have simply learnt how to pass their test rather than learnt how to safely drive. As well as the associated risk of provisional licence holders, other factors can also affect insurance costs for learners:

• The Insurance Group: If you drive a valuable car with a powerful engine in a high insurance group, the cost to add a learner will be significantly more. The best cars to learn to drive in tend to be in lower insurance groups.
• Your Location: If you live in a busy urban area with higher accident rates, the cost will reflect that, whether you’re adding a learner on, or insuring them separately.
• The Learner’s Age: A 17-year-old is generally seen as a higher risk than a learner in their 30s. We know that plenty of people learn later in life, which is why we cover ages from 17 to 75.

We believe insuring a learner driver should be stress-free and flexible, which is why we offer an alternative to adding them to your policy. Get covered for an hour of practice to nail that tricky junction, to a few weeks of cover to lead up to your driving test, we’ve got you covered.

At GoShorty, our temporary learner insurance is flexible, comprehensive, and most importantly, protects the owner’s No Claims Bonus. With our easy-to-use app, you can get a quote in under 2 minutes and be on the road the same day.