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Learning to drive

How to get insurance for a learner driver

Putting in the practice while you're learning to drive can be the difference between a pass and a fail - or even a crash and no crash once you've passed.

Practice outside of driving lessons gives you experience of different times of day, different cars and different kinds of traffic situations. It's gold, basically.

But you need insurance.

3 ways to get insured as a learner driver

  1. Buy your own car

  2. Yeeeesh. It's a lot of money while you're still shelling out for driving lessons but it might be a good investment in the long run.

    Pros:

    • You'll get used to the car you'll be driving once you've passed
    • You'll start building up your No Claims Discount
    • You'll be able to practise as much as you want, as long as you have a keen practice buddy
    Car with price tag

    Cons:

    • The cost of a car, full insurance, maintenance, petrol...
    • You'll be paying for a full insurance policy but only practising as often as you can beg someone to supervise you
    • If you have a bump while you're learning, the amount you pay towards a claim (the excess) may be high because you're inexperienced
    Find out how to buy your first car with your provisional licence.
  3. Get added to your parents' insurance

  4. Pros:

    • It's all on them; you don't have to do the organising or deal with any admin
    • They're quite likely to be paying for the petrol!
    Dad car

    Cons:

    • It can cost more than having your own learner insurance
    • If you have an...incident...the car owner will lose their NCD and their insurance will go up
    • You're not earning your own NCD
     
  5. Get your own learner insurance (on someone else's car)

  6. Pros:

    • The car owner won't lose their NCD if you have a bump (awkward conversations avoided)
    • It's flexible; so you can choose how long you need cover for and buy more time if you need
    • You'll usually have a lower compulsory excess
    Car in a bubble

    Cons:

    • The policy will be in your name so you'll be sorting the admin here and there
    • You won't be earning your own NCD

So much info right? But before you resort to just flipping a coin it’s probably best to get yourself a quote and go from there.


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Katey Joined ingenie in 2014 and is in charge of all things social. She passed her driving test in 2015 and her first car is a Toyota Yaris T3 named Tyrone.