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Learner driver insurance
Take out provisional licence car insurance.
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What is learner driver insurance?
Provisional licence insurance, also commonly known as learner driver insurance, provides car insurance cover while you are practising to pass your driving test. Everyone driving on UK roads must be insured and that includes learner drivers.
Do I need it?
Most driving schools will cover you with their own insurance policy, but if you’re taking private lessons in your car, or using a friend's or family member's car while supervised, getting provisional licence insurance is a must.
How do learner policies work?
Learner driver insurance works in a similar way to standard car insurance policies – it provides financial protection should you be involved in an accident prior to you passing your driving test.
But learner driver insurance is specifically designed for provisional licence holders. It can be set up as:
A standalone short-term policy
An additional policy to an existing annual insurance policy, which activates during private practice lessons. This protects the vehicle owner’s no claims bonus
Learner driver insurance can only be used:
While being supervised
In the UK
During driving practise and not during your driving test (unless specified otherwise)
Once you have passed your UK driving test you will no longer be covered by your provisional licence insurance so you will need to upgrade your current policy or cancel it and take out cover with a new insurance company.
Am I eligible for learner driver insurance?
To be eligible for learner driver insurance you’ll need to be:
A UK resident
Although there is no legal maximum age for learning to drive, some insurers who specialise in young driver insurance may require you to be aged 17-25 while other standard insurers might set the age range as 17-50 or 17-75
A UK provisional licence holder with no penalty points, motoring convictions or offences
Supervised by someone who is at least 21 years old, has held a full UK driving licence for at least three years, is not currently banned from driving, and qualified to drive the type of car you're learning in, e.g. manual or automatic
Your vehicle will need to be:
Less than 40 years old
Roadworthy and taxed
Registered in the UK with a valid MOT
Displaying L plates (or you can use D plates in Wales)
Usually worth less than £40,000
A car you own or one you have permission to drive from the registered keeper (it can’t be a rental car)
Unmodified
What are the types of learner driver car insurance?
There are three main types of car insurance a learner driver and new drivers can choose from:
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Covers damage to your own or other people's vehicle, medical expenses, fire damage, and theft of your vehicle
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Covers property damage and injury to third-parties, fire damage to your vehicle, and theft of your vehicle
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The minimum level of cover legally required, it only covers third-party property damage and injury
What does learner driver car insurance cover?
Based on a fully comprehensive policy, here is what is and isn't covered with learner drivers insurance:
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What's covered
Damage to your vehicle from accidents, theft, fire or vandalism
Third-party damage caused by your vehicle
Motor legal protection, which pays out for legal costs you may face related to a claim
Serious or fatal injuries - compensation if you’re seriously or fatally injured in a road accident
No-claims bonus protection - the vehicle owner won’t lose their no-claims discount if you have an accident in their car
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What's not covered
Non-named drivers - Anyone who was not named on your policy
Standard wear and tear to your car, such as worn brake pads or tyres
Drugs and alcohol - Accidents if you're under the influence (this can include prescription drugs)
Driving without a valid licence - if you’re driving after your licence has been revoked (cancelled)
Mileage beyond agreed limits may not be covered or your premium may be adjusted if you exceed the thresholds set by your insurer
Certain types of vehicles, such as classic cars, commercial vehicles, and high value cars, may not be covered
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What add-ons can I get with learner driver insurance?
Add-ons will cover you for scenarios and costs that are not typically included in car insurance policies. While add-ons like breakdown cover can provide extra peace of mind, they do come with an extra cost that will be added to your policy.
Breakdown cover
If your car breaks down, breakdown cover provides assistance at the roadside to get your vehicle moving again.
Courtesy car cover
Provides a replacement vehicle while yours is being repaired.
Personal accident cover
Personal accident cover pays out a lump sum if you’re injured or killed in a road accident.
Motor legal protection
Motor legal protection will covers any legal fees you might face in relation to a road accident.
Windscreen cover
Windscreen cover will pay for the cost of repairing or replacing a chipped, cracked or smashed windscreen.
Car keys cover
Covers the cost of replacing lost, damaged or stolen keys.
Wrong fuel cover
Covers the cost of draining and cleaning the fuel tank if you accidentally put the wrong fuel type in your car (known as misfuelling).
Personal belongings cover
Personal belongings offers protection for your belongings in the event your car is stolen, which can be handy if you tend to leave them in your car.
No-claims discount cover
Protects your no-claims discount by letting you make a certain number of claims within a year before it affects your premiums. Building a no-claims discount will reduce your premiums over time.
How long do I need provisional licence insurance?
Learner driver insurance can last short term or long term, anywhere from a few hours to a whole year. If you plan to keep using the same car once you’ve got your licence, annual cover might be best. If you’re using a car solely for lessons, consider short-term cover – just make sure it’ll keep you covered until you pass your test.
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Annual cover
Annual cover lasts a whole year. You can update your policy once you've finished learning to drive, or cancel it – but cancellation might come with extra fees
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Short-term or temporary cover
Short-term cover usually costs more per day than annual cover. It insures you on any car, as long as the licence holder is with you when you're driving.
How can I get cheap car insurance quotes?
Compare quotes
You can almost always get a better deal by shopping around. MoneySuperMarket does the work for you: comparing quotes with us can save you up to 50.79%
Pay annually
If you can afford to, it is worth paying for your car insurance in one go. Annual payments are up to 31%
Get a black box
Insurers can monitor your driving habits with telematics hardware, so sensible drivers can sometimes earn lower insurance premiums.
Pay a higher excess
One of the simplest ways to reduce your insurance cost is to increase your voluntary excess. Be careful not to increase your excess so much that you can't afford it'
Buy a sensible car
Smaller, less powerful cars are usually cheaper, safer to drive, and less attractive to thieves and vandals.
Keep your car safe
Parking your car in a locked garage keeps it safe from criminals, making it less likely you’ll need to claim for theft or vandalism.
Add a named driver
Adding an experienced driver to your policy tells insurers it won’t be just you driving, so they’ll reduce the price. However, you must be honest about the main driver of the vehicle.
Take an advanced driving course
As car insurers generally view advanced drivers as being less likely to have accidents, passing an advanced driving course can sometimes help cut car insurance costs.
Limit your mileage
Cutting down on how much you drive can slightly reduce your insurance costs. Someone who drives 10,000 miles a year pays on average 3%
The logic for insurers is that if you’re not on the road as much, you’re less likely to have an accident.
What do I need to get accurate car insurance quotes?
Your car registration number and driving licence number
Any no-claims bonus you’ve accrued
When you bought the car and any modifications made
Your expected annual mileage
Whether you’ll use the car for social, commuting, or business purposes
Note: you can still get a quote if you don't know the registration yet
Our expert says…
According to our latest survey, 95% of people underestimate the cost of learning to drive. The MoneySuperMarket Household Money Index has recently revealed that the average 17-20 year-old pays £7,609 to get on the road. The three biggest costs contributing to that figure are buying a car (£2,987.45), paying for driving lessons (£1,690.59), and the cost of insuring a car if you’re 17-20 years-old (£1,699.69). If you have children who are approaching 17, knowing the breakdown of the £7,609 total average cost means you can prepare and discuss early on how much you might be able to help.
Sara Newell Motor & Home Insurance Expert
Car insurance guides and expert tips for learner drivers
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What types of specialised car insurance policy can I get?
As well as standard comprehensive policies, we can help you find specialised types of policy for specific circumstances, including multi-car insurance and short-term cover:
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Business use
Standard car insurance won't cover business use, so you need a special policy for work vehicles
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Short term cover
This lets you take out temporary car insurance from anywhere between a day and a few months
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Multi-car policies
This car insurance type gives you the option of adding more than one car to your policy
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Telematics
Get the chance to bring your costs down by installing a black box, which monitors your driving habits.
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Learner drivers
If you’re learning in your own car, learner driver insurance provides cover while you’re practising to pass your test
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Over 50s
Some providers offer tailored car insurance for drivers over 50, so it’s worth comparing the whole market
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New drivers
All drivers, including newly qualified drivers, are required to have car insurance when driving on the road
Try using our car insurance tools
Car insurance group checker - check which insurance group your car falls into
Car insurance cover advisor - identify the type of cover you need
Car insurance job picker - find out if tweaking your job title could save you money
Annual mileage calculator - work out your annual mileage before getting a quote
Am I eligible for learner driver insurance?
Every insurer has different criteria, but you’re likely to be offered learner driver insurance if you meet all the following:
- You have a valid provisional licence
- You’re a UK resident aged between 17 and 35
- You don’t have any previous driving offences or convictions
- The car you’re driving is registered and has an MOT
- The car isn’t worth more than a certain amount – but this varies between providers
What are the rules for learner drivers and car insurance?
If you’re driving with a provisional licence, there are some things you’re not allowed to do.
- You can’t legally drive unless you’re supervised by another driver aged 21 or older who’s had their licence for at least three years.
- You mustn’t drive on the motorway unless you’re with a certified driving instructor and the car has dual controls
- You need ‘L’ plates on the car whenever you’re behind the wheel – or ‘D’ plates is Wales
Who can supervise me when I’m learning to drive?
Usually, your supervisor can be anyone – a friend, a family member, or a private teacher. They just need to be over the age of 21 with at least three years’ driving experience. However, some insurers might have extra criteria, so make sure you check the small print before you buy
What happens after I pass my driving test?
Once you’re a fully licensed driver, your learner driver insurance policy is no longer valid. You’ll need to update your policy or get a new one, don't worry, there are ways to make your policy cheaper. Remember, it’s illegal to drive without valid insurance – even if you’re just driving back from your test.
What is fronting?
Fronting is an illegal practice in which a less experienced motorist is added as a secondary driver on a car’s insurance policy, when they’re actually the main driver. Fronting is always against the law, and if you’re caught you could end up in court – better to be honest with your insurer about who’ll be doing most of the driving.
Will adding a learner driver to my car insurance policy increase my premiums?
If you’re a fully qualified driver and you add a learner driver (such as your child) to your policy, your premiums are likely to go up. But the increase will actually be smaller than if you’d added a newly qualified driver, since insurers assume that learners won’t be using the car as much – lowering the risk of an accident.
Does learner driver insurance count towards my no claims bonus?
This varies across insurers, but it's likely you will have to have the policy registered under your own name as a learner driver in order to start building a no-claims bonus.
Can I add a learner driver to my car insurance?
You can add a learner driver to your existing car insurance policy, but it may be better for learner drivers to take their own cover out so they can start building a no-claims bonus,
As a provisional licence holder, why do I need learner driver car insurance?
It’s a legal requirement for everyone driving on UK roads to have car insurance. You will need provisional licence car insurance if you are:
Practising driving separately from your lessons in a family or friends car,
Driving without an instructor
Planning to take your driving test in your own car
Can I get learner driver insurance on someone else’s car?
Yes, you can get learner driver insurance on someone else’s car provided you have their permission. You can be added as a named driver to their policy or have a separate policy if they want to protect their no-claims discount.
Does learner driver insurance cover driving test day?
Yes, learner driver insurance often includes taking your driving test in your own car (check your policy documents to be sure). However, as soon as you pass your test you will need to upgrade your insurance from learner driver insurance to standard cover for a qualified driver.
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Reviewed on 15 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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51% of consumers could save up to 50.79% Consumer Intelligence , Oct 2025 Exc NI, CI, IOM
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
51% of consumers could save up to £514.27 Consumer Intelligence , Oct 2025 Exc NI, CI, IOM