What is the Best Way to Insure a Learner Driver?

1. Add Them to Someone Else’s Policy (e.g. Parent or Guardian)

You can often add a learner to an existing policy – usually a parent’s or whoever’s car is being used to practice in. It might seem convenient, but there are drawbacks.

While this can work if the learner is only using one car and driving often, it tends to raise the primary driver’s premium and can affect the owner’s no-claims bonus if the learner has an accident. Plus, not all insurers allow provisional licence holders to be added, and some will charge admin fees for adding and removing drivers during the policy term.

Meaning this can be quite a costly and inconvenient option, it also locks you into only using one car which could limit how much practice you can get in.

2. Take Out an Annual Learner Policy

This is a full annual policy in the learner’s name, covering either their own car or a parent’s car. While it gives them independence and builds their own policy history, it’s often the most expensive route – especially for learners only managing to fit in practice sessions a couple of days a month. If you do take this option, you’ll likely want to ensure whoever is supervising the learner is insured too, just in case they need to take over driving at any point.

Taking this option can also result in additional costs, as you’ll need to cancel these policies once you pass, which can trigger cancellation fees.

3. Use Temporary Learner Driver Insurance

Temporary learner insurance is by far the most flexible and affordable option for learners looking to get insured for some practice sessions outside of their lessons.

It covers learners to drive a specific car – usually a parent’s – for a short time, such as a few hours, days, or weeks. What makes this the best way to insure a learner driver is:

• It’s a separate, standalone policy, so the main driver’s no-claims bonus is protected.
• You can get insured instantly, for exactly how long you need for your practice session, so you aren’t paying for insurance when you don’t need it.
• You’ll have comprehensive cover, providing you with extra peace of mind on the road.
• You’ll be able to take policies out on different cars, not be tied to one, meaning you won’t have to rely on just one car to get your practice sessions in.

With us, you can take out temporary learner driver insurance from just 1 hour up to 6 months at a time – and it’s so easy to take out a new one whenever you need – it makes getting insured for driving practice so much easier.