Learner Driver Insurance
Get an online quote today with GoShorty.
- Drivers aged 17-25
- £500 to £60,000 vehicle value
- Fully-comprehensive
- 1 hour to 24 weeks cover
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What is Learner Driver Insurance?
Learner driver insurance in the UK is a specialised car insurance policy designed for individuals holding a provisional driving licence. It allows them to practise driving in a car, typically owned by a friend or family member, outside of professional driving lessons. This type of insurance is crucial for gaining valuable road experience before taking the practical driving test. A key characteristic of learner driver insurance is that it is a separate policy from the main insurance of the vehicle being used. This protects the car owner’s No Claims Discount (NCD) in the event the learner driver has an accident.
It is most commonly available as a short-term policy, with flexible durations ranging from a single day to several months. This allows learners to purchase cover only for the period they need for practice. Annual policies are also available for those who anticipate a longer learning period.
- Supervision Requirement: A fundamental condition of learner driver insurance is that the learner must always be supervised by a qualified driver. The supervising driver typically needs to be over 25 years old (some insurers may have different age requirements) and have held a full UK driving licence for at least three years.
- Vehicle and Driver Eligibility: Insurers have specific criteria for both the learner driver and the vehicle. Generally, the learner must be a UK resident, hold a valid provisional licence, and have no penalty points. The car must be in a roadworthy condition, taxed, and fall within a certain insurance group and value as specified by the insurer.
What Does Learner Driver Insurance Cover?
Similar to standard car insurance, learner driver policies are offered at three main levels:
Third-Party: This is the minimum legal requirement and covers injury or damage to other people and their property.
Third-Party, Fire and Theft: This includes third-party cover and also protects against the car being stolen or damaged by fire.
Comprehensive: This offers the highest level of protection, covering all of the above, plus damage to the car the learner is driving, regardless of who is at fault.
Why insure with GoShorty?
GoShorty are temporary insurance experts, providing a range of short-term vehicle insurance options in the UK. Led by a senior team of insurance experts, they bring together 100-plus years of combined industry experience to deliver flexible, affordable temporary insurance for cars, vans and learner drivers.
Since its launch in 2020, GoShorty have grown their expert team to become one of the UK’s leading temporary vehicle insurance providers. GoShorty is regulated by the Financial Conduct Authority, registered with the Information Commissioner’s Office and are proud members of the British Insurance Brokers Association.
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