Learner Driver Insurance

Learning how to drive can be exciting and at the same time expensive. It is because you need to have a provisional license and also the car must have learner driver insurance. Other costs come along the way like costs associated with driving test. It would help if you found ways on how you can save some money when you are training how to drive.

If you are earning how to drive and you have a provisional driving license, you need to get the right insurance. Sometimes you may need to practice with a friend or relative without a licensed instructor. Whichever options you have, you should have learner driver insurance.

You can buy annual car insurance or short term car insurance for driver learner. Annual car insurance for a learner driver is essential when you own a car. It lasts for 12 months and after you have passed your driving test exam, you can amend it.

Short term car insurance for learner drivers provides coverage of up to 90 days. It is suitable if you are practicing to drive using someone else’s car.

Is Learner Driver Insurance Essential?

The learner driver insurance is important to cover the learner from legal liabilities when learning to drive. Adding a learner driver to someone else’s policy is expensive and it affects the first driver’s no claims bonus.

Aviva Learner Driver Insurance

You can purchase Aviva learner driver insurance for a few hours, day, or month. To be eligible to get the cover, the learner driver must be a UK resident aged between 17 and 35 years. He must also have a provisional driving license and must have no driving offenses.

The supervising driver must be aged between 25 and 75 years and must have full driving licenses. He must have driving experience of not less than 3 years. The car must be worth less than 40,000 euros and must have not more than 7 seats, including that of the driver.

Admiral Learner Driver Insurance

With Admiral Learner driver insurance, you can cover for between 2 hours and 90 days as you practice to drive. You can use a friend’s or a relative’s car for practice. You get an instant cover as soon as you make a payment, while the owner’s no claims bonus is not affected.

Adrian Flux Learner Driver Insurance

With Adrian Flux Learner driver insurance, learners can take a month to month car insurance for the time they will be practicing to drive. Learners can insure cars they own or those of other people they wish to practice with. Learner drivers can get short term car insurance. The insured car must be valued at less than 30,000 euros and it must be in insurance group 45. The driver learner must be aged between 17 and 25 years. The policy is comprehensive and does not affect the owner’s no-claims discount.

1 month Driver Learner Insurance

You can take short term driver learner insurance for one month. You will need to have a provisional driving license to get one-month learner driver insurance. This will allow you to practice driving using a relative’s or a friend’s car or a period of one month. The owner’s insurance does not cover the learner driver insurance. Most driver car insurance covers are comprehensive policies. You also have an option to take a month to month learner driver insurance.

Note that when you have driver learner car insurance, it covers only the named car. As such, you cannot drive any other car and then claim. Short term car insurance is best for learner drivers compared to annual driver insurance.

Average Learner Driver Insurance

The average learner insurance is a short term car insurance that runs for around three or six months. It is best suited for people that want to get extra practice time to drive. The minimum cover required is the third party learner driver insurance. It is best for learners to get fully comprehensive covers for full protection.

Annual Driver Learner Insurance

You can purchase annual driver learner insurance. It is best suited for driver learners with their own cars. Once they pass their driving test, they can amend the policy to a full driver policy. You need to have a provisional driving license. If you do not win the car you are using to practice, taking annual driver learner insurance can be expensive. That is why it is best suited for car owners seeking to practice driving.

The cost of annual driver learner insurance is paid upfront. Once you pass the driving test, you will be charged for the period you drove on a pro-rata basis. With the cover, you can start building a no claims discount early, while you can also get extra driving practice. You will have a comprehensive cover for all your insurance needs.

What is Learner Driver Insurance?

Learner driver insurance is an insurance policy taken by a provincial license holder when learning how to drive. The cover can be used even during a driving test.

Compare Learner Driver Insurance

To get fair insurance prices for your car for learners, you need to compare proves online. Money Supermarket works with many insurance companies and it will help you compare prices and land on the best deal. You can also get a quote and compare it with that of other insurers using Compare the Market.

Levels of Car Insurance for Learners

If you are a learner and you have a provisional license, then you qualify to get the follow car insurance levels.

  • Third-Party Only. It covers you against claims by third parties like the driver of the other car in case of an accident. The cover does not protect you and your vehicle.
  • Third-Party, Fire and Theft. It has the same coverage as the third party only. In addition, it covers your car against damages as a result of a fire and attempted theft.
  • Fully Comprehensive. A fully comprehensive cover protects you against claims by third parties and also protects you as the driver and the car. It can also pay you as a result of damages to your vehicle caused by fire or attempted theft.

Car Insurance for Learners

The following are some of the insurance policies you need to consider for learners.

  • Short term car insurance covers. If you are using someone else’s car for your driving lessons, you might take a short term car insurance cover for a few months. Make sure you have a qualified instructor to train you.
  • Annual cover. You can get car insurance cover lasting for a whole year. When you are through with your driving lessons, you can opt to cancel the cover or update it. However, be aware that there are costs associated with the cancellation. Also, premiums are usually higher for a driver between 17 and 18 years. It is because younger drivers are considered riskier and have higher chances of claiming.
  • Named driver cover. If you know a person who has an insurance policy and owns a car, you can add yourself as a named driver. It is cheaper to a named driver but expensive to the main driver who pays premiums.

Learner Driver Insurance Cost

On average, a learner driver insurance cost 40% less compared to a full insurance cover for learners with provincial licenses. It is because any learner will need the help of an experienced driver for training. You can reduce the cost of your car insurance through the following measures:

  • Choosing a car with a smaller engine and a cheaper model
  • Becoming a named driver instead of buying your own policy
  • Getting a telematics/ black box cover for learners
  • Get only the most important aspects of an insurance policy by trimming your insurance policy

Additional Cover to Learner Driver Insurance

Apart from the most important aspects of car insurance for a learner driver, you can take additional coverage to your policy. Some of the extra cover you might want includes:

  • Legal cover. It pays for your legal fees during insurance claims
  • Breakdown cover. It pays for the cost of any roadside assistance you may need
  • Personal accident cover. It covers you in case of an injury or death of the learner during an accident.