Learner driver insurance

Got your own car? Whether you have a provisional or full licence, we'd love to have you on board. We'll help you through your test and beyond with an annual insurance policy that you can easily upgrade to 'full licence' when you pass.


A learner's guide to ingenie

  1. Take out annual provisional insurance

  2. You can insure your own car with ingenie as a learner on an annual basis - and stay with us once you've passed your test.

    Just like our full licence customers, you'll have a black box fitted out of sight in your car. The box will assess your individual driving style and you'll receive useful feedback via the ingenie app or online.


    Something you'll find as a provisional driver is that your insurance will probably go up once you pass your test. This is because an insurer knows you'll now be driving alone for the first time and you'll probably be racking up a lot more miles in the car.

    So when you're shopping for annual learner insurance for your own car, it's also a good idea to run the same quote with a full licence, to give you an idea of what it might cost when you pass your test.

    Red L-plate
  3. Drive well, pay less

    You could save up to 21% on the cost of your insurance by driving well. We'll provide feedback on your speed, acceleration, braking and cornering, and tell you how much you're on track to save.

    With tips on how to improve, plus loads of help in the Young Driver's Guide, 70% of our drivers have had a discount for good driving.

    And rather than having to wait a year like with traditional insurance, with ingenie you could be earning money back after just 3 months.

  4. Earn your No Claims Discount

    By taking out an annual learner policy on your own car, you'll start earning your own No Claims Discount nice and early.

    As that can mean as much as a £450 saving on a £1,500 policy in the first year, it's a big deal. For the record, 91% of our drivers earn their No Claims Discount in their first year with ingenie.

    Another big positive is that you'll also get the chance to practise in the same car you'll drive once you get your full licence. No scary transition to cope with!


Other types of learner insurance

Insurance for practising driving in someone else's car

Your wonderfully helpful mum/dad/grandparent/brother/sister/friend will need to call their insurer if they're happy to add you to their existing insurance policy. However, this isn't always the cheapest or best way to do it. Instead, some insurers offer temporary learner driver insurance on someone else's car, which protects the car owner's No Claims Discount if you run into a spot of trouble.

What about in a driving instructor's car?

Good news: you're already covered! Any qualified ADI (driving instructor) should already have the required insurance for you to drive their tuition car. Find out more about the things you need to check when you're choosing a driving instructor.

You can get loads more tips for learning to drive in our Young Driver's Guide.


Learn to drive with Drive iQ PRO

We partner with Drive iQ PRO - a piece of hazard awareness software - because it focuses on behaviour and attitude, not just the basic skills you need to pass a practical test.

The software helps you prepare for your theory test and the last bit is designed for after your test, including motorway and night driving - 2 vital skills when it comes to learning to drive! To find your nearest Drive iQ PRO instructor, visit driveiq.co.uk.

Free learning to drive guide

We want to help young drivers get on the road safely and affordably. To help that happen, we sponsor the Learning to Drive Guide - a free handbook to help you and your parents through every part of learning to drive. It covers everything from choosing an instructor and starting private practice to passing the driving test and beyond.

Parents Guide