What is learner driver insurance?
It’s pretty much what it sounds like, these policies are tailored to meet the needs of learner drivers and just like Cinderella’s ride turning into a pumpkin, your learner driver insurance will terminate as soon as you pass your practical driving test (in most cases).
Having specific learner driver cover means that you may not affect anyone else’s no claims discount if you have an accident whilst using their vehicle. You’ll need to read the details of whatever policy is in place but things you might want to check and consider are:
• Flexibility – some providers will let you take out insurance by month so you don’t pay for more than you need.
• Supervision criteria – you may be restricted over who can help you practice; the government may say 21 but some insurance providers say 25.
• Refunds – check if you can get a refund on any remaining months if you pass your test before the policy runs out.
• Time restrictions – you can get time sensitive policies where you can only drive between certain times (for example 6am to 10pm) this might mean you pay less for your cover.