Learner Driver Insurance

No – only your qualified instructor’s insurance covers you as a learner automatically. When you’re in your driving instructor’s car, they have a special kind of insurance policy that covers you so long as you’re paying for their services. If an accident were to happen, it would be for them to claim and sort out, so learners need not worry about insurance at all when paying for classes.

But, if you’re arranging private sessions with a friend or family member, you will need a separate policy to cover learner drivers. The car owner could try adding you to their policy, but since you haven’t even passed yet, there’s a good chance their insurance provider will say no – and cover could cost a lot of money regardless. Because their insurance won’t apply to you, you’ll need another arrangement. And that’s where our short-term cover comes in. You can get learner insurance for one day, one week, or one month.

Yes. Any learner driver will have to have insurance cover, whether you want to add them to your existing policy or not. But if you’d rather eliminate the risk, Tempcover’s provisional insurance doesn’t affect your main policy, and your No Claims Discount is protected.

Learner driver insurance policies are tailored to the needs of provisional drivers. Tempcover’s temporary learner insurance is a flexible, short-term option that’s ideal if you’re learning to drive and want to get some experience outside of your usual lessons, in a different car.

This type of cover can be taken out for the time period that suits you, unlike standard policies that usually offer annual cover. This makes our temporary provisional insurance a cost-effective way of getting covered while learning to drive.  Get a quote today to find out how affordable it could be.

No, a learner driver is only insured to drive the car that’s named on the policy. But nothing is stopping you from paying for another provisional insurance policy on a different car if you wanted to get some practice by using a second vehicle.

If you’re a parent or friend of a learner driver, adding them to your existing insurance can be expensive. Understandably, learner drivers are seen as a higher risk because of their lack of experience. As a result, adding them to your policy can increase your premiums, plus you’ll have to pay an admin fee to make the change.

Other downsides to adding a learner driver to your car insurance are that many insurance providers simply won’t allow you to do it at all because of the increased risk.

You’ll also face the risk of losing your No Claims Discount should the learner in your life have an accident behind the wheel. This is not only expensive in the short term, but without a long-standing record of no claims, buying your own insurance will be more expensive in the longer term as well.

Temporary learner car insurance is a car insurance option for learner drivers that comes without the risk of impacting any No Claims Discount. It’s a separate standalone policy that won’t affect any existing policy on the car.

With temporary insurance, the learner is covered to use your vehicle for between 12 hours and up to 28 days, but policies can be purchased at any time. That way, their practice can fit around your schedule, and you’re not paying for cover you don’t need.

Your temporary learner driver insurance quote will depend on a range of factors including how long to want to take out cover for and the vehicle you want to insure.

Get a quote and see how little provisional insurance could cost you.

You can find cheap provisional insurance by choosing the right insurance for your situation and only paying for cover when you’re actually behind the wheel.

Without road experience, insurers will always increase the cost of provisional insurance. To get cheap learner driver insurance, you will first need to choose the right type of insurance:

Temporary learner driver insurance – The ideal option for learner drivers who want something more flexible and don’t want the huge expense of an annual policy. If you only practice on weekends, insurance for one day, or weekend insurance is likely to be the best option. If your test is in a week or a month, getting just one weeks insurance or one month’s learner insurance will be more cost-effective than an annual policy.

With temporary learner driver insurance, there are no long-term commitments, so if you pass your driving tester sooner than expected, you aren’t left tied into a contract.

Become a named driver – Being a named driver on your parents or other family members’ policy can be a better option if you’re planning on learning for a long time or aren’t sure exactly when you’ll be practising. However, there are a few drawbacks, including the risk to the vehicle owner’s No Claims Discount and the likelihood that the cost of their insurance will go up to cover you.

Annual learner driver insurance – This is a long-term option if you aren’t planning on taking or potentially passing your test in the near future. Once you have passed your test, you can update the details of the policy and continue with that insurance provider or cancel the policy (both actions will come at an additional cost).

Choosing the right policy for your needs is the best way to get cheap provisional insurance. You can also reduce the cost of your policy by taking the following steps:

• Practice in a small-engine car in a low-insurance group
• Increase any voluntary excess on the policy
• Add a more experienced driver to your policy (if it’s your vehicle and you are still the main driver)
• Choose comprehensive cover over lower levels of cover

Yes, you can get one-week learner driver insurance. Like other temporary car insurance policies, you can get learner insurance for 12 hours, a day, a week, or a month, up to 28 days at a time. So, whether you need that last bit of practice before your test or you’re getting behind the wheel for the first time, you can select a policy duration that fits your needs.

No, you probably don’t – unless you’re planning to drive a car other than your instructor’s.

As was the case during your lessons, if you take the test in your instructor’s car, their specialised insurance will automatically cover you. But if you want to take the test in your car or a friend/family member’s car, you’ll have to arrange temporary learner car insurance to do this. You will also need some form of learner insurance if you’re driving someone else’s car.

Once you pass your test, your learner driver insurance will become invalid, so you’ll need to make sure you have other arrangements for this.

Potentially, yes. All the same laws apply to drivers learning on ‘private land’. If you are learning to drive in an area the public has access to, for example, a footpath, then you must have the same insurance as you would need to drive on the road.

Without the right weekly or monthly learner driver insurance, not only do you risk having your car seized but you could face fines and see points added to your licence. This can have a big negative impact on your premiums when buying annual insurance after you’ve passed.

Having the right insurance is not only the law, but it gives learners that little bit of extra reassurance when practising on the road.

Yes. Any learner driver will need insurance cover to drive their own car. Buying your own car as a learner can be a great way to get comfortable with the car you’ll be driving long term.

If you find a car you love before you’ve passed your test, nothing is stopping you from buying it. But you wouldn’t be able to drive it yourself yet – unless you get short-term learner car insurance for your own car, that is.

This policy will give you time to get used to your new vehicle, and it’ll mean that when you pass, you can hit the ground running. You could even use it to get some test practice.

Just remember that, as, with a provisional driver in any vehicle, you still can’t drive the car without an experienced driver present until you pass.

Temporary insurance for learner drivers is the ideal solution for many newcomers to the road. It’s incredibly easy to get the cover you need with Tempcover – just follow these three simple steps:

1. Enter a few details about yourself and the car you want to learn in
2. Confirm you’re happy with the price and details of your policy
3. Pay for your policy and get your documents emailed instantly

That’s it! And when your policy expires at the time you selected, we’ll just send you a little reminder in case you need another policy. If you do, it’s just the same simple process every time. Get a quote today.