Learner drivers: a guide to your car insurance options
Car insurance premiums for young people are usually sky high. The simple reason for this is that they are more likely to be involved in an accident or make a claim on their policy.
If you haven't already passed your driving test, it is very important that you include the cost of both lessons and car insurance into your budget.
MoneySuperMarket data. Correct as of May 2018
Learner driver insurance rules
There are certain rules when it comes to learner driver insurance. For example, when you sign up for driving lessons with a professional driving school, you won’t need to worry about learner’s insurance as it is included in the price of the lessons, along with any fuel and tax.
However, the Driver and Vehicle Standards Agency (DVSA) recommends that new learners should also practice for about 22 hours privately, alongside the typical 45 hours of professional tuition thought necessary to pass a test.
If you practice in your own car, or the car of a friend or relative, learner driver insurance rules mean you will still need insurance. It is illegal for any driver to drive without insurance, and you could face a fine and penalty points on your licence before you’ve even got it!
If you take to the road in a family or friend’s car, they can add you to their insurance policy as a ‘named driver’. But they might get a nasty surprise when their premium goes up, as you are considered a big risk to the insurer.
The additional premium could be high – and any accident could jeopardise his no claims bonus. You might also be unable to build up your own no claims discount as a named driver.
Remember, it’s illegal to name another person as the main driver for a car insurance policy if they aren’t actually the primary user. This is known as fronting – while it may be tempting to do this as a way to reduce your car insurance premiums, it’s against the law, and it can result in your claims being refused, as well as possibly increasing the price of car insurance in the future. You’ll also get points on your licence if found out.
What does learner driver insurance cover?
A number of firms offer car insurance for learner drivers, but what do they offer?
- Policies normally give you comprehensive cover to drive someone else's car.
- The flexibility of learner driver insurance makes it easier for you to hone your driving skills when and where you choose.
- Anyone can take you out for a practice spin, as long as they are at least 25 years old and have held a full UK licence for at least three years.
You can find out other ways to save money on your car insurance by reading our money saving tips.
Comparing standard motor insurance quotes available through MoneySuperMarket could help ensure that you find the cheapest deal available to you given your current circumstances.
All MoneySuperMarket data is correct as of March 2018