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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

Covered

Not covered

Provisional licence-holders practising in someone else's car
Learners practising in a car they own (unless someone else is insuring it!)
Supervising drivers who are 25 to 75 years old (including your driving test examiner)
Supervising drivers who've had a full licence less than 3 years
Cover for learner drivers from 17 to 29-years-old
Driving after you've passed your test. You must stop immediately - that means no driving home from the test centre
Chunks of insurance from 1 month to 6 months at a time, which you can add to if you need more time
Modifications like alloy wheels or tinted windows
Practising at any time you like - the more road situations you experience, the happier we are
Using the car to get to and from work every day, even with your mum riding shotgun
Driving up to 10,000 miles per insurance chunk, although we're pretty sure you won't get near it!
Cars over 11 years old
Accidental damage, fire and theft, and medical expenses
Driving other cars
£100 for damage to your stuff if something happens to it as part of a bigger claim
Drivers who have any points, previous claims or motoring convictions

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

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

What happens when I pass my test?

  1. 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
  2. Call us up on 0345 234 2242 to cancel your Learner policy - you might be due a refund!
  3. Get a quote to upgrade to your full ingenie Young Driver insurance

If you've got any questions, take a look at our FAQs.