Learner Driver Insurance

Call 330 024 0000 for your learner driver insurance quote.

Our specialist learner driver insurance – also known as provisional driver insurance – provides cover for provisional licence holders as they receive driving tuition.

It insures the learner driver directly when they are driving their own car or another vehicle.

It is valid when the learner is accompanied by a driver aged over 25 who has held a full driving licence for a minimum of three years.

  • Specialist insurance for young learner drivers
  • Specifically designed for provisional licence holders
  • An affordable alternative to adding a learner as a named driver to another policy
  • Dash cam endorsement to wipe out compulsory excess (see below)
  • To aid learning continuity and frequency, parents can be added as named drivers*
  • Comprehensive and Third Party Fire & Theft learner driver insurance

Why take out learner driver insurance?

One good reason is cost. Often it is cheaper to take out a policy in the learner’s name, than to add them as a named driver to another car insurance policy.

Also, with this policy, should the learner driver need make a claim when driving an insured car they do not own, it will not affect the no claims bonus of the vehicle’s owner.

Another, even more compelling reason, is that it is of course a legal requirement to be insured when learning to drive on public roads!

Young learners

The cover we offer is specifically designed for holders of a provisional driving licence aged between 17 and 21 years.

learner driver insuranceWe know from our experience in moped and scooter insurance that this can often include young riders who, as well as using their provisional licence to ride on two-wheels, are also learning to drive on four.

If that’s you, this policy could be a great choice!

 

Insurance jargon

If terms like comprehensive insurance and no claims bonus leave you scratching your head, please see our FAQs page.

Learner driver insurance benefits and limitationslearner driver insurance

The provisional licence insurance we provide is designed specifically to cover learner drivers.

It’s ideal if you’re keen to put in some extra hours’ learning outside of tuition you receive from a professional instructor.

Gain skills and confidence

That additional time can help you hone your driving skills and gain confidence in readiness for your practical driving test.

Remember though that once you pass your test and rip up those L plates, it will no longer be valid.

You will then need take out traditional car insurance that covers you as a fully qualified driver.

If, having passed your test, you continue to drive on learner driver insurance  you are liable for prosecution. You must take out a standard car insurance policy.

Dash camera endorsement

With this policy, should you need make a claim, you can avoid paying the compulsory excess – the amount you would pay towards the cost of a claim – under a dash camera endorsement.

All you need do to avoid that excess – which will be a minimum of £250 – is provide the insurer with dash cam footage within 48 hours of an accident. The excess fee will be waived whether you are at fault or not.

Supervisor endorsement

This enables the driver who has been supervising you to drive you home in an emergency or immediately after you’ve passed your test.

Other benefits

This learner driver insurance policy offers a range of other benefits. These include:

  • Third party liability – cover for other people and their property should you cause injury or damage whilst learner driving
  • Fire, theft and attempted theft
  • Accidental and malicious damage
  • Cover immediately after completing your Practical Driving Test
  • Audio and sat nav equipment

The following benefits are included only with comprehensive cover and if you are the registered keeper/owner of the insured vehicle:

  • Windscreen and windows
  • Personal belongings
  • Replacement locks
  • Medical expenses
  • Personal accident

For your provisional driver insurance quote, click here or call 0330 024 000.


This policy is underwritten by KGM Motor. * Conditions apply. Policy benefits subject to limits and exclusions. Please ask for details.

FOR A GREAT QUOTE call 0330 024 0087

For the best quote chat to our friendly and informed UK-based call centre team

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