Learning to Drive? Learner Driver Insurance is Must!

If you are considering adding a learner driver to your insurance, the first instinct may be to call your insurer to add a named driver. This can be expensive, and you may incur an admin fee to add and remove the learner driver, as you are unlikely to know how long it will take them to pass. There is also the worry that you may lose your No Claims Discount if the learner has an accident.

Learner Driver Insurance allows provisional licence holders to get extra driving practice in a friend or family member’s car. This comprehensive policy sits separate to the car owner’s policy and covers the learner driver while they are behind the wheel, without affecting the car owner’s No Claims Bonus. As the name suggests, cover ends once the learner passes their test – as they are no longer a learner driver!

Learner insurance will not cover a learner to drive on a motorway during their private practice. By law, Learner drivers are only allowed to drive on the motorway with a qualified driving instructor with dual controls, provided the driving instructor is confident that the learner is experienced enough and close to passing their driving test.

Any driver who is over 25, who currently holds a current valid full UK driving licence, and has done for at least three years, can supervise a learner. It does not even need to be the person who owns the car.

Lastly, the car must be roadworthy (with a current MOT for cars over 3 years old).