What is Learner Driver Insurance?
Experience on the road is the key to passing your driving test. Learner Driver Insurance allows you to get insured on a family member or friend’s car to practice outside of lessons.
Whether you’re a learner driver yourself or the parent of a provisional licence holder, here is everything you need to know about Learner Driver Insurance.
Everything you need to know about Learner Driver Insurance
When you’re learning to drive it’s important to get as much on road experience as possible, to build your driving skills and your confidence before your test. Most people learn to drive with an instructor and for their many their first time in the driving seat will be during their first lesson.
Driving lessons are pretty expensive so people only have an hour or two a week with their instructor. Lots of learner drivers supplement their lessons with extra practice, usually with mum or dad. Before you hop in a car it’s important to make sure you have the correct insurance or you could end up facing a fine and points on your licence before you even pass your test!
Can I get an annual car insurance policy as a learner driver?
If you are lucky enough to have your own car before you’ve passed your test then you’re going to need to insure it. You can take out an annual policy of your own with a provisional licence. You must remember to notify your insurer when you pass your test so they can update your details, but be aware that your premium may increase.
How does insurance work for learner drivers?
Most learner drivers are not lucky enough to own their own car and will practice in their parents’ car between lessons. In this case you should consider short term Learner Driver Insurance.
Learner Driver Insurance is a flexible solution that allows you to get insured on a friend or family member’s car without affecting their no claims bonus. The insurance works in addition to any cover already in place on the car. You can choose instant cover from two hours to 90 days depending on how long you need. It is fully comprehensive so whoever is kind enough to let you practice in their car, can enjoy peace of mind while you get to grips with being on the road.
Can I be a named driver with a provisional licence?
Another option for learner drivers is to be added as a named driver to someone else’s policy, usually their parent’s. Although this option works for many there are some drawbacks. The biggest potential problem is that any claim a named driver makes affect the owner’s policy and their No Claims Bonus. With Veygo, if you need to make a claim while learning, the owner doesn’t need to declare it to their insurer and they won’t lose their No claims Bonus.
The right option for you?
Time and money are factors to consider when deciding between Learner Driver Insurance and being a named driver. Adding a named driver usually involves calling up the owner’s insurer to add the learner and paying an admin fee. Learner Driver Insurance is available online, so no admin fees for adding the driver or annoying hold music, and you can get a quote in as little as two minutes!
Learner Driver Insurance is a more flexible option than being added as a named driver as you can choose the perfect length of cover for you, from two hours right up to 90 days or anything in between. You could even drive multiple cars, depending on who is available to practice with you. For example, you could buy a few hours of cover to practice with your big brother on a Sunday, and then 5 days to go out with mum in the evenings after college or school.
Don’t forget that learner drivers need to be supervised at all times and Learner Driver Insurance ends as soon as you pass your test!