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What’s covered with ingenie Learner

We made this insurance just for learners who don’t have their own car. That means it works a bit differently from regular insurance, so you need to know what’s covered and what’s not while you’re practising.

Got a clean provisional licence, a supervising driver and someone kind enough to let you use their car? That’s a good start.

Here’s the deal


  • Provisional licence-holders practising in someone else’s car

  • Supervising drivers who are 25 to 75 years old (including your driving test examiner)

  • Cover for learner drivers from 17 to 29-years-old

  • Chunks of insurance from 1 month to 6 months at a time, which you can add to if you need more time

  • Practising at any time you like – the more road situations you experience, the happier we are

  • Driving up to 10,000 miles per insurance chunk, although we’re pretty sure you won’t get near it!

  • Accidental damage, fire and theft, and medical expenses

  • £100 for damage to your stuff if something happens to it as part of a bigger claim

NOT Covered

  • Learners practising in a car they own (unless someone else is insuring it!)

  • Supervising drivers who’ve had a full licence less than 3 years

  • Driving after you’ve passed your test. You must stop immediately – that means no driving home from the test centre

  • Modifications like alloy wheels or tinted windows

  • Using the car to get to and from work every day, even with your mum riding shotgun

  • Drivers who have any points, previous claims or motoring convictions

  • Driving other cars

It’s really important you understand what your cover provides. Anything in the Not covered section could mean your claim is denied.

Read the policy wording

If you have any questions, you can check out our learner FAQs.

What happens when I pass my test?

Sunset in the mountains
  • You’re no longer insured to drive, so you must stop immediately after you’ve passed. That means no driving home from the test centre
  • Contact us to cancel your Learner policy – you might be due a refund!
  • Get a quote to upgrade to your full ingenie Young Driver insurance

If you’ve got a question, check our FAQs for help.