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Am I eligible for temporary learner driver insurance for my own car?

To be eligible to purchase learner insurance for your own car, there are a few requirements you will need to meet.

There are a few more caveats for meeting learner driver insurance requirements than typical temporary vehicle cover, so make sure to read on to find out if you meet the criteria:

MID: Please note that all our Short Term Insurance policies are submitted to the Motor Insurance Database (MID) at midnight every day. We recommend always having a copy of your Insurance Certificate with you during the period of cover.

Vehicles:

• Private Cars only (limits are placed on the vehicle’s ABI grouping)
• Minimum vehicle value – £1
• Maximum vehicle value – £50,000
• The insured vehicle must be covered by an underlying policy
• Social, Domestic and Pleasure only
• Vehicle must be registered in the UK
• Foreign use is not permitted
• Not for exporting – journeys must start and end in the UK
• Is not imported or left-hand drive and not modified (factory fitted extras or modifications for a disabled driver or passenger, or LPG conversions are acceptable).
• Has no more than 5 seats
• Must not be modified. LPG conversions and Disabled Modified are acceptable
• Have a valid MOT (if required), is NOT declared as SORN (off-road) with DVLA and has NOT been seized by the police.
• Not to be used for impounded or seized vehicles (unless specified as impounded cover)
• Not to be used for any form of motor racing, pacemaking, track days, motor trade usage or hire and reward
• Not for carrying hazardous goods or use at a hazardous location
• There is no cover under this policy for vehicles which are insured, owned by, operated by, supplied by, hired or rented from any Claims, Credit hire or Accident Management Company.

Drivers must:

• Learner driver – aged 17 to 25
• You must hold a UK Provisional driver’s licence
• Must not have had any claims, regardless of fault
• Must not have had any penalty points
• Has a current permanent address as stated throughout this application, (please note you may be asked to provide proof of residence in the event of a claim)
• Has not ever been refused insurance or had a policy cancelled or voided
• Must not have been convicted of any criminal offence or have any possible prosecution pending
• Must be supervised by a suitable person aged over 25 according to the law.