Learner driver car insurance

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A handy guide to learner driver car insurance

It’s an exciting time if you’re just taking to the road. But it can be a confusing and expensive time too. Fear not, we’re here to help. Whether you’re learning to drive in your parents’ car or getting your best friend to teach you, you’re going to need the right car insurance. To help you find a good deal, we’ve put together this easy-to-follow guide to answer your most pressing questions.

Plus, take a look at our Young Drivers report, which will give you an idea of all the other costs involved in running your own car, advice for cheapest cars to insure and our guide for new drivers that’s full of practical advice for newbies.

Why is learner insurance so expensive?

Simply put, it’s because younger drivers are statistically more likely to be involved in an accident than older drivers. Insurance companies keep a close eyes on statistics, and teens (17 and 18 year olds) and early twenty-somethings of student age tend to be involved in more accidents (and worse accidents, for that matter) than older and more experienced drivers. But don't forget that there are things like the Pass Plus course that can help you to get more experience early on. 

Do I need learner driver insurance?

If you’re having lessons with a professional driving school, then most of them include insurance in the price of the lessons. But if you want to practice in your own car, or in a friend’s or relative’s car, then you’ll need insurance.

What’s the best type of car insurance for learner drivers?

Finding the best policy as a learner driver will depend on your personal circumstances but, generally speaking, there are three main types of cover available:

Third-party. This covers you for any injury you cause to other people and any damage to their property.

Third-party fire and theft. Similar to a third-party policy, except that it also includes cover for the theft of your vehicle or damage by fire.

Comprehensive. This type of policy includes all the cover of a third-party fire and theft policy, but also covers you for damage to yourself and your car. You might think this would be the most expensive type of policy but that’s not always the case, so it’s worth comparing your options to get the right cover for you.

Can I save money by adding an experienced driver to my policy?

Possibly. If you can share your car with an experienced driver (who has no previous claims or convictions), you could reduce the cost of your premium by adding them to your policy. The insurance provider takes both drivers’ information into consideration and creates a price based on each of you sharing the car.

But be aware of 'fronting' – that’s when another person (usually a more experienced driver) poses for you as the main driver on the policy. If you give your insurance provider incorrect details with the intention of reducing your premiums, your insurance could be invalidated. What’s more, fronting is illegal and you could be prosecuted.

Is a higher voluntary excess better?

If you’re a learner driver looking for cheap insurance, you might want to choose a higher voluntary excess. Although this could cost you more in the event of a claim, as you’ll need to pay the voluntary excess you choose as well as the compulsory excess set by the provider, it could mean a cheaper monthly premium in the short term. Just make sure you could afford the total in the event of you needing to make a claim.

Are black box policies good for learner drivers?

Black box, or telematics, policies come with a little device or an app that monitors your driving habits. These are particularly good for learner drivers without a long record of driving safely. If you’re a safe driver, you could save on your insurance.

Why compare learner drivers insurance with comparethemarket.com?

We independently compare over 100 of the UK’s trusted car insurance providers to offer provisional licence drivers with car insurance deals.

We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you compare based on your needs.

And that’s not all, buying car insurance through comparethemarket.com means you get MEERKAT MOVIES*. This will give you 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week, for a whole year.