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Learner driver insurance

Cheap car insurance for learner drivers 

Learner driver insurance is an easy way to get extra practice in your own car, or a friend or family member’s car.

Green TickBe on the road in minutes

Green Tick1 hour to 180 days

Green TickNo impact on the owners no claim bonus!

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learner driver insurance

What is learner driver insurance ?

Learner driver insurance, or provisional driver insurance, lets you get insured on a friend or family member’s car to practise outside of lessons. As a provisional licence holder, this allows you to gain valuable on-road experience so you can pass your test!

 Getting added to a friend or family member’s insurance policy as a learner driver can be costly and could affect their no claims bonus if you have a bump – our cheap, flexible cover protects you from that and keeps prices down with either learner insurance on your own car or borrowing a car. 

 With our temporary learner insurance, you can choose to be covered from 1 hour, a day, a week, or a month.

Three reasons to choose learner driver insurance…

driving test

Cover for your test

Looking for cover for your driving test?  No problem!  We could cover you up until you pass your test.*

pass plate

Practice more

Practice in your own time that's convenient for you, be on the road in minutes with our flexible cover.

no claims bonus

Peace of mind

No need to worry about the owner's policy if you're borrowing a car, their no claims bonus won’t be affected if you need to make a claim.

*Once you’ve passed you’ll no longer be a learner driver, so you’ll need alternative temporary cover for the drive home.

How much does learner driver insurance cost?

Most of our customers pay just £7.68 for 3 hours or £57.21 for 4 weeks. Our flexible cover makes it as affordable as possible to get insurance for provisional drivers.

Of course, your learner insurance quote can be influenced by a number of factors. This includes your age, where you live and your occupation.

 The type of car you’ll be driving also affects the price of your cover. If your car is safe, has a small engine and is in a lower insurance group, then you may be able to get cheaper learner driver insurance. You can find out more about which cars are cheaper to insure here.

Choose the right quote for you

Your estimated price

Hours

Days

Weeks

hour

hours

hours

hours

All prices based on what most of 85,145 Veygo customers would pay for the displayed times (June 23)

Am I eligible for learner driver insurance?

To apply for provisional insurance, there are a few boxes for you and your car to check.

As a driver:

Green TickYou must be between 17 and 75 years old.

Green TickYou should have a valid UK provisional licence.

Green TickNot have any penalty points. Also, you must not have been disqualified in the last 18 months.

Green TickNot have any claims or motoring convictions. This may affect your ability to get learner car insurance.

Green TickAlso, you need to get the car owner’s permission to get insured on it.

As for the car:

Green TickIt has to be less than 40 years old.

Green TickThe car must be registered in the UK.

Green TickIt’s possible to get cover for a lease car, but not a hire or rental vehicle.

You can get learner driver insurance on your car or someone else’s. If you’re not the legal car owner then learner driver cover sits alongside the owner’s insurance and cannot be the main policy. It’s possible to get cover for a lease car, but not a hire or rental vehicle. 

What does learner driver insurance cover ?

What’s covered?

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Accidental damage to your car

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Third party injury

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Third party property damage

We cover up to £300 to have your locks changed in the event of your keys being lost or stolen. However, we don't cover the cost of the keys! 

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Windscreens and glass

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Personal belongings

What's not covered?

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Unattended & keys in ignition

In the circumstance of keys left unattended in the ignition, or the car was left unattended, the claim will require further investigation by our customer care team. 

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Taking your car out of an impound

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The car being used outside of its permitted use

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Driving without a licence

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Driving under the influence of drugs and alcohol

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Without an alternate insurer

Here's some important documents

document

View our learner driver insurance guide

document

View benefits & exclusions

Car owners, here's what you need to know

Our comprehensive learner driver insurance works alongside the main policy already in place on your car. It protects the provisional licence holder while also helping to preserve your No Claims Bonus – if they were to make a claim your No Claims Bonus would remain intact. In the event of total loss, the car will be covered up to the current market value.

Adding a provisional licence holder to your policy can incur an admin fee and cause your premium to increase. Veygo’s Learner Driver Insurance means that there are no admin fees to add a driver and the learner driver can pay for the insurance themselves!

Learner Driver Insurance is available from two hours right up to 90 days, just so long as you have your own policy in place on the car at all times. The cover will end once the provisional licence holder passes their practical driving test, becoming a full licence holder.

Learning to drive?

Driving instructor Louise Dale has shared some useful information if you’re learning to drive, to help get you on the road!

learner driver insurance, short-term cover
Learner Drivers
Driving Lessons... Where to begin
Louise Dale
clock icon
Jun 01, 2023
driving lessons, short-term cover, learner driver insurance
Learner Drivers
Making the most of your driving lessons
Louise Dale
clock icon
Dec 22, 2022
Driving for life, learner driver insurance
Learner Drivers
Good driving is for life, not just for test day
Louise Dale
clock icon
Jun 01, 2023

Short-term Car Insurance

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Looking for our temporary car insurance?

Our temporary insurance options can cover you from 1 hour
to 60 days.

learner driver insurance, short-term cover

Frequently asked questions..

  • opener

    Why is my registration not being recognised when trying to obtain a quote?

    There are a few reasons why we might not be recognising your registration. Firstly, please note that we do not provide cover for import vehicles, camper vans or if your vehicle is over 40 years old.
     
    You can check whether your vehicle has been imported here.  
     
    Please also ensure that you have registered your vehicle with the DVLA and that you have definitely entered your registration correctly when getting a quote with us - we know how easy it is to mistake a 1 for an I or a 0 for an O!
     
    You can check whether your car is registered with the DVLA here.
     
    Please be aware that if your vehicle is a brand new vehicle, it can take up to a month for our registration recognition provider to update their systems. If your registration has recently changed, please contact us via email for further information on how to get a quote. Please see our 'How Do I Contact Veygo?' FAQ for our contact details.
  • opener

    I've passed my test so how can I change the licence type connected with my account?

    Congratulations! 🎉
     
    Now you’re fully qualified, your Learner Driver policy is no longer valid so it’ll need to be cancelled. Please see our 'How can I cancel my policy?' FAQ for instructions on how to do this.
     
    But you can now upgrade! 😃 (Please do this via the website rather than the app.)
     
    Do this by starting a new quote. Once you accept the privacy policy, you'll see a box at the top of the page which says 'Passed your test?' and you can select 'Change to full licence'.
     
    Then you'll have the option to upgrade your account and change your licence type.
  • opener

    Why am I not allowed to purchase cover even though I have completed a quote?

    Unfortunately from time to time we are unable to provide insurance cover to somebody. We take a lot of factors into account relating to the person, vehicle and circumstance just to name a few! Please note that our Customer Care agents are not able to change this decision or provide specific reasoning.
     
    We know this is frustrating and we are constantly reviewing our underwriting criteria but unfortunately for now we can't offer a policy. In some cases you may be able to get cover on a different vehicle - please feel free to find out by running another quote.
  • opener

    How do I cancel my one-off policy?

    Here's how to cancel (it's really easy!):
     
    · Sign in
    · Click into your account from the top right hand of the screen
    · Go to Purchases
    · Select "View" on the policy that needs cancelling
    · Click “Cancel policy” inside the Actions box
    · Click "Cancel policy" in the popup
     
    If your policy hasn't started yet, you will receive a full refund.
     
    If your policy has already started, we'll recalculate the price based on a shorter policy and refund the difference. If any refund is due, this will be returned to the original payment method automatically within 3 to 10 days.
     
    Please see your Policy Booklet for our Cancellations policy.
  • opener

    How do I cancel my subscription policy?

    Here's how to cancel (it's really easy!):
     
    · Sign in
    · Click into your account from the top right hand of the screen
    · Go to Purchases
    · Select “View” on the policy that needs cancelling
    · Click “Cancel Subscription” inside the Actions box
    · Click “End of current cycle” in the side menu - if you want your policy to end at the end of the current cycle OR Click “Immediate Cancellation” - if you want your policy to end immediately
    · Select a reason for cancelling
    · Click “Cancel subscription”
     
    If you cancel immediately and your cover has started, we will calculate a risk-based refund that considers duration of cover and the level of risk incurred.
     
    If you cancel at the end of the current cycle, we will not start a new month of cover and your policy will cancel at the end of your current policy period.
     
    If you’ve paid for the next cycle already, you will receive an email confirmation confirming the cancellations and if any refund amount is due.
     
    Any refunds due will be returned to the original payment method automatically within 3 to 10 days.
     
    Please see your Policy Booklet for our Cancellations policy.
  • opener

    How do I get a quote?

    You can get a quote with Veygo here.
     
    You’ll be able to enter in all your details quick and easy and be able to get a quote in no time! Unfortunately our agents cannot provide quotes over the phone or by email.
  • opener

    Do I need alternative insurance?

    The vehicle needs to be alternatively insured if you are borrowing it from a family member, friend or colleague. You cannot be a named driver on the alternative insurance policy. Please also note that the alternative insurance cannot be a learner driver policy.
     
    If you are the registered owner of the vehicle, you do not need to have alternative insurance, we would be the only cover needed.
  • opener

    Can I add another driver to my policy?

    Unfortunately, another driver or car can’t be added to your existing insurance policy, but you can buy a separate insurance policy for the other driver or car you wish to insure. When purchasing for another driver, they’ll need to continue as a new customer and create their own account with an alternative email address. Easy!

  • opener

    Can I change the car on my policy?

    Want to change the car on your policy? Unfortunately we are not able to do this so the policy will need to be cancelled and you can quote for a new policy with the updated information by going through the website. (Signing in first will save you time!).
     
    For details on how to cancel your policy, please see our Cancellation FAQ above.
  • opener

    Can I use Veygo learner driver insurance to take my driving test?

    Veygo learner driver insurance does provide cover for your practical driving test. You may be asked to take a copy of your certificate of insurance with you, which is available to download as a PDF document within your Veygo account. To view this, please log in, go to ‘My account’ and select ‘Purchases’.
     
    Should you wish to, you can also use your own vehcile to take your driving test. Please bear in mind that the car needs to meet certain legal requirements, which can be found at GOV.UK.
     
    Important: If you pass your test, this insurance will no longer be valid, as it only covers provisional licence holders. This means you won’t be able to drive home from the test centre. But you can get a quote for our temporary cover if you continue sharing the car. Good luck!
  • opener

    Am I able to get Veygo cover with a licence or vehicle that comes from outside Great Britain?

    We’re really sorry, but we can’t provide cover if you don’t hold a GB licence (excluding Northern Ireland) or if your vehicle does not have a GB registration. Sorry we can’t help you further and I hope you find a suitable alternative.

  • opener

    Can I use Veygo cover to drive abroad?

    Thanks for getting in touch. Unfortunately, Veygo only provides cover to drive in England, Scotland, Wales and Northern Ireland.
    Our policy booklet states that if you are driving in the Channel Islands, Isle of Man or in the EEA/EU your cover is limited to the minimum level required in that country. What this means is, if you were to drive in these countries and have an accident for which we (as your insurer) would be at least partially responsible, we would pay third party costs only. However, we don’t recommend using such a low level of cover for travelling abroad. We also don’t provide green cards.
  • opener

    Why is my registration not showing as insured on MID?

    Whilst the Motor Insurance Database is usually updated within 24 hours, it can take up to a week.
     
    In the meantime we would advise you to please make sure you have your documents with you at all times as proof of your cover.
     
    If you are borrowing a car, then the vehicle must have a main insurer so there should already be a form of insurance showing. If the vehicle does not have main insurance then this insurance is invalid and will need to be cancelled.
  • opener

    Can I negotiate my insurance policy price?

    Not sure about the price or why it's changing? The price you see going through the quote is only a guide.
     
    Once you have entered all the information, you will be shown the final price on the "Your Final Quote" page and this will be an accurate price, based on all your details. Our agents will not be able to change or amend this price.
  • opener

    How do I extend my policy?

    We don’t currently offer insurance policy extensions, but you can take out more insurance online in next to no time. We save your details to make getting a quote even easier the second time around. Just log in, and you’re ready to roll! If you'd like to repurchase on the go, try downloading our app where you can repurchase your previous cover in just 5 taps!

  • opener

    Do Veygo offer a No Claims Bonus? How does this affect the car owner's No Claims Bonus?

    Unfortunately, our insurance policies don't allow you to build your No Claims Bonus. However, our policies provide you with your own separate insurance for the car that you will be driving. This means that if you're borrowing someone else's car and have to make a claim, it won’t affect the car owner’s no-claims bonus. This also means they don’t need to declare it when renewing their insurance.

  • opener

    Does Veygo provide cover for business uses?

    Our insurance policies only provide cover for driving for social, domestic and pleasure uses, as well as driving to and from one place of work. We do not cover business-related purposes which can include using your car to pick up or deliver business supplies or driving to visit clients.

  • opener

    What is excess?

    The accidental damage excess on most temporary car insurance is set at £750. Some customers can choose a lower excess of £250 or £100, depending on the product and you and/or your car’s details. The excess for a windscreen claim can be found in your insurance policy schedule, within your account.

  • opener

    Isn't this dual insurance?

    It’s not. Dual insurance is when the same person has two active insurance policies on the same vehicle.
     
    As long as you’re not named on the car owner’s insurance, or any other insurance policy covering the car you want to drive (or perhaps learn in), this won’t affect your ability to take out cover, and it won’t be dual insurance.
  • opener

    Can I tax a car if I have temporary insurance?

    Actually, yes – you can. You can tax your vehicle with a temporary policy at the DVLA website. Or, if you want to go old-school, you can take your temporary insurance docs to the post office.

  • opener

    How can I contact Veygo?

    Veygo is an online-only business, so we don’t have a number you can call. However, if you'd prefer to speak to us over the phone, ping us an email or send us a message. We’ll try to get back to you within 15 minutes, during our opening hours.
     
    You can also tweet us @VeygoUK, or contact us via Facebook Messenger.
     
    Find out our full contact details here.

Need more help?  Check out our help centre.

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