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Learner Driver Insurance

If you are looking for Learner Driver Insurance, we can help. We make learning to drive simple with our straight forward insurance options.

Learner-driver-car-Safely-Insured-Website

Safely Insured have various learner insurance schemes available tailored for Learner Drivers:

*if you pass your driving test within the 12 months cover period, you will be entitled to a refund for the remaining period

As an experienced learner driver insurance provider, all these car insurance policies are designed to allow you the flexibility to get as much driving experience as possible, especially outside of a driving lesson with someone other than your normal driving instructor present.


Annual Learner Driver Insurance

For annual Learner Driver Insurance Policies, our minimum criteria are as follows:

An accompanying named driver must be:

Always check with your individual policy wording to make sure of your insurers requirements.

A driving instructor and a learner driver fastening their seatbelts in anticipation for a driving lesson

Our annual learner insurance policies are designed for you to learn to drive in motor vehicles as the car owner - providing provisional insurance for provisional drivers under a provisional driving licence. A provisional driver can also sometimes be referred to as a permit driver.

Learner policies are valid as long as the driver holds a Provisional Driving Licence, this means that upon you passing the practical driving test, when the learner becomes a Licensed Driver and receives their Full UK Driving Licence, the policy will end. You will then need to arrange a new policy as a New Driver. A refund will be calculated as a return premium based upon the time left on the Learner policy (subject to no on-going claims).


Private Practice for Learner Drivers

From our own research, we found that people who practice driving outside of their driving lessons are more likely to pass their driving test quicker. We believe this is because learners have built up more confidence and are more aware of their surroundings, purely through all those additional hours of driving.

Being able to take out cover to temporarily add a Learner to someone else's car whilst learning is a fairly new concept in car insurance. It removes a lot of the old barriers in relation to parents being concerned about any negative effect upon their own insurance policy, losing their No Claims Bonus Discount for example. With this new type of auto insurance policy, it acts as a totally separate 'top up' policy, just to cover the Learner Driver for driving practice - therefore removing those issues. More and more learners are recognising that the more often you practice, the more likely you are to pass your test, just like with any exam in life.


The Safely Insured Way

At Safely Insured, we take pride in providing you with a stress-free experience and endeavor to provide you with policies that caters to your needs and requirements.

We provide Learner Driver Insurance to match most scenarios, offering online cover, for short-term learner cover and annual learner and permit driver policies via our online quote or over the phone.

A car with a Learner red L plate displayed on the top


Temporary Learner Driver Insurance

There are two types of short-term learner insurance and permit driver policies available, providing provisional insurance and temporary insurance cover to practice in someone else's car or your own car. The main insurance criteria for each, is as follows:

Practice in your own Car as a Car Owner

Please note: We temporarily are unable to offer our own Learner Policy, due to one of our insurers pulling out of the market, and we are currently looking for an alternative insurer.

Practice in Somebody Else's Car

These online options are available through our sister site www.insurelearnerdriver.co.uk - click the button below for a quote or for further information.

If you take formal driving lessons as a provisional licence holder with a driving instructor, they will have specialist insurance as a qualified driver to cover you throughout your driving lessons, which is valuable for providing a new driver with provisional driver experience. You will only be able to drive without a personal learner insurance policy in place if you are with a registered driving instructor taking lessons. Taking out a learner driver insurance policy allows you to have additional practice sessions on the road with provisional licence insurance as part of the car insurance policy, whilst you are working towards obtaining your driving licence.


Learner Driver Scenarios

There are many situations you may be faced with as a learner driver, whereby Young Driver Insurance and Learner Driver Insurance can help. Here are some examples of a few of those situations:


What to do now?

When you are ready to decide about your learner driver insurance, there are a few steps you can take to ensure you choose the best option for your needs. You can start by obtaining an online quote through our website. For short term learner insurance cover, online purchasing is the sole option available.

On annual policies, we not only provide coverage but also offer valuable advice in a warm and approachable manner, ensuring that you are well-informed about your insurance choices. All our staff are fully trained and with our regulated and authorised by the FCA to offer advice on learner insurance. Our goal is to assist you in making the most informed decision regarding your learner insurance needs.

For short-term policies, they are offered on a non-advised basis, which means that you will need to evaluate the available options and then proceed once you are confident in your choice. Rest assured that throughout this process, we prioritise your specific needs and requirements above all else. Your satisfaction and peace of mind is our top priorities.

If you are unsure about which insurance plan is most suitable, don't hesitate to reach out to us.


Short-Term Car Insurance

If you want to take out auto insurance temporarily (maybe to practice before your driving test) then simply click the 'Temporary Learner Policy' button. Alternatively, you can visit our sister site www.insuredaily.co.uk.


Annual Car Insurance

If you want to take out auto insurance for a year, then simply call our Annual Learner Driver Specialist Team on 03303 331 256 and they will talk you through your options.

A driving student and their instructor sat in a car before a lesson


FAQ’s - Frequently Asked Questions

  • Do I need to have an accompanying driver?

    Yes, whilst you have a provisional licence, you must always have an accompanying driver with you for provisional licence insurance to be valid. Different insurance policies also have different age restrictions and requirements for the accompanying driver, so please clarify that information.

  • If I am using someone else's car and have purchased Temporary Learner Driver Insurance and I am involved in an accident, does this affect their No Claims Bonus?

    Yes, whilst you have a provisional licence, you must always have an accompanying driver with you for provisional licence insurance to be valid. Different insurance policies also have different age restrictions and requirements for the accompanying driver, so please clarify that information.

  • Are there any restrictions on the number of hours I can drive for?

    No. When it comes to learner insurance, it's essential to understand the ins and outs of the policy to drive confidently and responsibly. One common question many new learner drivers ask is whether there are restrictions on the number of hours they can drive for or the time of day or evening. Fortunately, in most cases, there are typically no specific limitations on the number of hours you can drive or the times you can practice driving, regardless of whether you are a teen driver or young driver. This flexibility gives the insured named driver the ability to gain valuable experience behind the wheel at their own pace, under the supervision of an experienced driver. However, it's crucial to prioritise quality over quantity when it comes to practice hours under car insurance, focusing on improving skills and confidence on the road. Remember, every hour spent practising is an opportunity to enhance your driving abilities and become a safer, more competent driver in the long run; as well as allowing young drivers to practice driving skills outside of a driving lesson with provisional insurance.

  • Does it cover me whilst taking my driving test?

    When it comes to learner driver insurance, one common concern is whether the policy covers you with a valid car insurance policy whilst taking your DVSA driving test. The good news is, yes, most policies do provide coverage for your driving test. However, it's important to note that the level of cover may vary once you have successfully passed your driving test. At Safely Insured, we understand the importance of clarity and transparency in learner driver insurance coverage. If you plan to use the car for your actual DVSA driving test, it is advisable to check our website or reach out to us directly for guidance on the most suitable type of cover for this specific purpose, as cover on most learner policies ends immediately you pass your driving test. In these scenarios, you will need to arrange for the vehicle owner to drive the car home afterwards, if you are learning in a borrowed car. If you are learning in your own car, you will need to arrange cover under a Full Licence holder policy, to start immediately you pass your driving test. With over 35 years of experience in the industry, Safely Insured prides itself on a solid foundation built upon the core values of providing the best value, exceptional service, and comprehensive cover to our valued clients. Our commitment to ensuring our customers are adequately protected and supported throughout their driving journey remains unwavering. As a well-respected car insurance broker, we search through a variety of car insurance quotes to find you the best deal on cheap car insurance.

  • Does it matter what type of car I'm driving?

    No, you can take out learner insurance on any reasonable car, whether it's an automatic or a manual car. There are exceptions to this however, for example a learner driver would struggle to obtain classic car insurance on cars with a higher insurance group or value.