What is Insurance For Learner Drivers?

Learner driver insurance or a learner driver insurance policy is effectively a type of insurance policy that will cover you if your child damages your car while learning to drive.

Driving lessons can sometimes be out of budget for some parents, so many will opt to teach their kids in their own cars. While this may seem like a cheaper option on paper, if your child ends up damaging your car while learning, you could incur some extra costs.

If you end up having to make an insurance claim if your child damages your car, your insurance premium will go up, and you will not be able to receive a no-claims bonus.

However, suppose you take out a provisional driver insurance policy. In that case, you will be covered if anything goes wrong without losing your no-claims bonus or having your premiums go up. You can also pay for this insurance policy for as long as you use it, so once your child has taken their driving test, you will not be stuck with a bill you don’t need! Consider our monthly learner driver insurance if you only need a couple of months’ cover before your child sits their driving test.

What Does Insurance For Learner Drivers On Parents’ Cars Include?

If you choose to take out a learner driver insurance policy with GoShorty, such as our daily learner driver insurance, then this is what the policy will include:

Comprehensive cover – This means that your car will be covered by car insurance if all the criteria are met. If your child has an accident, your car ends up being stolen or catches on fire while your child is in control of it, your windscreen gets damaged, or you receive a claim from a third party, your insurance will pay out.

Total flexibility – GoShorty learner driver insurance allows you to cover your car at your leisure. If your child only needs a few hours or days of practice in your car, then you will be able to cover it by GoShorty for that long.

If you think your child might need a little more practice, you can cover your car for up to 24 weeks with learner driver insurance.

Low Excess – Learner driver insurance would not be worth it if you had to pay a high excess every time you claim. Thankfully, with GoShorty, this is not the case. You can claim if you need to without paying an absurd excess.

For learner drivers aged 17 to 25 – You will be able to take out learner driver insurance if you are between the ages of 17 and 25 and have your provisional licence.

Maximum car value £25,000 if owned by someone else – If it’s a family member’s car, the vehicle can only have a maximum value of £25,000; otherwise, you will not be eligible to receive provisional licence insurance.

Maximum car value £10,000 if owned by the learner – If the learner driver owns the car rather than a family member, then it can only have a maximum value of £10,000; otherwise, you will not be eligible to receive learner driver insurance.

Protect the car owner’s No Claims Discount – Claiming from learner driver insurance will, thankfully, allow you to protect your no-claims bonus, as it will not affect your normal car insurance.