So how do I get insured?
Whether you need to arrange your insurance, depends on how you’re learning to drive.
1) Learning through an approved driving school or instructor
If you’re learning to drive with an approved driving school or instructor, they will have arranged the insurance for you. In this case, you don’t need to worry about arranging anything until you pass your test.
2) Learning to drive with another driver in their car
The owner of the car you are learning to drive in could arrange for ‘learner driver insurance’ to be added to their policy for you. There are a number of insurers who can arrange such cover. Who pays for the extra premium is up to the two of you. You do need to be aware that it’s illegal to pay anyone other than an approved instructor for your driving lessons.
3) Learning to drive with another driver in your own car
Arrange your own cover. If you take out cover while you’re driving with a provisional licence you’ll start to build your own no claims discount. No claims discount is an important way of lowering your premiums going forward, so in some ways, the sooner you start the better.