So how do I get car insurance?
That depends on how you’re learning to drive. Are you learning:
…through an approved driving school/instructor?
If you’re learning to drive with an approved driving school or instructor, they will have arranged your insurance. If that’s the case, you don’t need to worry about insurance until you pass your test.
Be aware that it’s illegal for someone to charge for driving lessons if they aren’t qualified or registered, or don’t have a trainee driving instructor licence.
…with a friend or relative in their car?
A number of insurance providers offer ‘learner driver insurance’, which the car owner can add to their policy. You’ll have to sort out who pays for it between you!
The RAC reckons that the average learner needs 20 hours’ driving practice on top of their lessons to pass their test, so you may need to rope in a willing friend or relative.
…with another driver in your own car?
Arrange your own insurance policy and add the person who’ll be taking you out in the car as a named driver. If you take out cover while you’re driving with a provisional licence, you’ll start to build up your no claims discount. This can reduce your car insurance premium, so the sooner you start, the better.