Learner Driver FAQs

Learning to drive can be a long process, so should you need additional cover once your first policy has expired, you can purchase another learner policy up to 28 days in advance for the following durations - 1 to 12 hours or 1 to 28 days.

As per the DVLA guidelines, you are required by law to be supervised as a provisional driver. In order to get temporary learner driver insurance, your supervisor (anyone you practise your driving with without paying them) will need to meet the following requirements:

• Be over 25
• Be qualified to drive the type of vehicle you want to learn in, for example, they must have a manual car licence if they're supervising you in a manual car
• Have had their full driving licence for 3 years (from the UK, the EU, Switzerland, Norway, Iceland or Liechtenstein)
• Been a UK resident for a minimum of 2 years
• Does not have a DR coded motoring conviction endorsed on their driving licence within the past 5 years

You can be fined up to £1,000 and get up to 6 penalty points on your provisional licence if you drive without the right supervision.

You can drive with as many passengers as the vehicle can legally hold.

Once you've passed your test, you will no longer be a Learner Driver and therefore we would not permit you to drive against the Learner Driver policy. Our current insurers will only insure a full licence holder with a minimum licence length of 6 months, so unfortunately we won't be able to insure you straight away on our private car scheme.

Yes, learner driver insurance is available to drivers of any age who hold a provisional licence.

Premiums tend to be lower for drivers aged over 25 compared to younger learners, as older first-time drivers are statistically lower risk.

Not every car qualifies for learner insurance.

Policies typically have restrictions on vehicle age, value, and engine size.

The car must be registered, taxed, and have a valid MOT.

When getting a quote, you'll enter the vehicle details and be told whether it qualifies.

Yes, but you need a separate policy for each vehicle.

You can't extend one learner driver insurance policy to cover multiple cars. Each car requires its own standalone policy.

If you regularly practise in two different cars (e.g. your own and a parent's), it's worth comparing the cost of two short-term policies against being named on one car's existing policy.

Yes, there's no restriction on having more than one learner insured to drive the same car.

However, each learner must have their own separate policy.

One learner's policy does not extend to another person, even if they're both learning in the same vehicle.

This is particularly common in households where two family members are learning at the same time.

Yes. If you fail your practical test, your learner driver insurance remains valid and you can continue practising in the same car.

Your policy doesn't end at the point of your test it only ends when you pass (or when the policy term expires).

If you timed a short-term policy to cover just your test day, you'll need to buy a new policy to carry on practising.

In most cases, no.

Learner driver insurance is designed for use on UK roads only, and most policies explicitly exclude driving abroad.

UK law also requires learner drivers to be accompanied by a qualified supervisor at all times. These are rules that don't translate cleanly across European road law.

If you're planning to drive in Europe, you'll need to wait until you've passed your test and have a full licence.

Most standard learner driver insurance policies require a clean driving record: typically no penalty points, motoring convictions, or at-fault claims.

If you have points on your provisional licence, some mainstream providers won't cover you.

However, specialist insurers do offer policies for learner drivers with convictions, though premiums will be higher.

It's always worth being upfront when getting a quote as providing inaccurate information could invalidate your policy.

Having a black box fitted to a car doesn't affect whether you can take out learner driver insurance on it.

However, if the car owner has a black-box (telematics) policy, it's worth checking with their insurer that a learner driving the car won't interfere with their driving score.

Some telematics systems analyse all journeys made in the vehicle, regardless of who's driving.