Learner driver car insurance own car from 61p* a day
- Cover from only 61 pence a day.
- Annual Insurance on your own car.
- Start earning your No-Claims Bonus.
- Option to switch from provisional to full licence once you pass your test.
Trusted by thousands of young drivers
Learner Driver Insurance from just 61p a day
Own car learner driver insurance
Our learner driver insurance is an annual policy that lets you practice your driving skills in your own car. You will get an insurance policy in your name, and you can start earning a No-Claims Bonus as a provisional holder, if you are claim free.
Additional practice in your car will help you build up your confidence, and you’ll become more comfortable with the controls and how the car drives. It might also help reduce the number of required professional lessons since you will practice more in your own vehicle.
Once you pass your test, you can switch from your provisional policy to a full licence policy (subject to an additional premium). Let us know as soon as you pass, so we can update your cover.
Instant cover
Enter your reg, the postcode of where the car is kept and a few personal details to get set up. Cover can start immediately.
Practice more
Practice as and when is convenient for you. Gain valuable driving experience, which could help you pass your test faster.
No-Claims Bonus
Start earning a No-Claims Discount, provided you don’t have an accident or make a claim during the policy period.
To get a car insurance quote you’ll need to complete a quote online and enter the following details:
make sure you are checking over all the information before submitting to ensure we can offer you the best quote we have available.
- Personal Details for you and any additional drivers – Name, Address, Date of Birth, Job title.
- Vehicle Details – Registration, Make, Model, Age, Purchase date, Owner and Keeper.
Please ensure you are checking the logbook when inputting the registered owner and keeper of the vehicle.
- Driving History – How long you’ve held your driving licence, any claims or driving convictions and any years no claims bonus you may have.
(if applicable) You will also need to input any claims and convictions your additional drivers may have on the policy.
- How your car will be used – Estimated annual mileage, where the vehicle will be parked overnight.
You may be asked to provide additional information or specific proof dependent upon what your insurance provider is requesting.
If you are learning to drive with the same friend or family member, they can add you as a named driver on their motor insurance policy. However, whilst this will cover you to drive their vehicle under correct supervision, it will increase the main policyholder’s insurance premiums. It will also affect their No-Claims Discount if you have an accident.
Some learner drivers feel more comfortable practising their driving skills in their own car rather than someone else’s. You can take your driving test in your car, provided it meets certain rules. For more information, see Driving test in your own car.
Once you pass your test, you must contact us straight away so we can update your policy. Otherwise, you won’t be insured to drive the vehicle home from the test centre.
We don’t require provisional holders to fit a black box whilst they are learning to drive under supervision. However, they will need to fit a black box when they switch to a full licence policy.
A black box or telematics device is a small electronic gadget installed in a vehicle that monitors driving behaviour. It collects data on factors like speed, braking, and the time of day you drive. The device provides insurers with accurate data about a motorists driving habits. If you drive safely and responsibly, your premium may be reduced at renewal.
A black box is a great way for young motorists to get affordable car insurance. It can also help them stay safe on the roads by providing regular feedback on how they drive.
For more information, see Telematics frequently asked questions.
The learner driver must be accompanied by a qualified driver aged at least 35 years or over, who has held a Full UK driving licence for at least three years and has not been disqualified during that period.
Our learner driver policies cover provisional licence holders aged between 17 and 24.
Your insurance only covers the car you originally insured, not any other cars.
Including a more experienced motorist as a named driver on a learner policy may reduce your premiums. Sharing the vehicle with someone else lowers the risk of accidents. However, the named driver cannot be the vehicle’s main driver or owner.
Once you pass your test, you must contact us straight away so we can update your policy. Otherwise, you won’t be insured to drive the vehicle home from the test centre.
If you are learning to drive with the same friend or family member, they can add you as a named driver on their motor insurance policy. However, whilst this will cover you to drive their vehicle under correct supervision, it will increase the main policyholder’s insurance premiums. It will also affect their No-Claims Discount if you have an accident.
This policy covers
Provisional licence holders:
This policy does not
Full licence holders:
How A Choice learner driver insurance works
- You will need to apply for a provisional licence so that you can learn to drive on UK roads.
- You can take private driving lessons with a qualified driver who is aged at least 35 years or over, has held a Full UK driving licence for no less than three years and has not been disqualified during that period.
- You can apply for your full driving licence once you have passed your practical driving test.
- Once you pass your test, we may be able to keep you insured on the same policy, subject to an additional premium, calculated on a pro rata basis from the date the driving test is passed. You will also need to fit a telematics device to your vehicle.
Start earning your No-Claims Bonus
Traditionally, a parent would add their son or daughter to their own car insurance policy as a ‘named driver’. Whilst at first, this may seem like a cost-effective solution, adding a ‘named driver’ can be costly and some insurers don’t allow it. If the ‘named driver’ has an accident behind the wheel, the vehicle’s owner could be at risk of losing their No-Claims Bonus.
We hope it doesn’t come to it, but by having your own insurance policy, your parent’s No-Claims Bonus won’t be affected if you make a claim. Best of all, you can start earning your own No-Claims Bonus from the day you take out your policy, regardless of whether you pass your test or not.
Learner insurance own car
Practice makes perfect as they say. With our provisional insurance, you can practice your driving skills in your own car, so you’ll be well prepared when it’s time to take your practical test and when it’s time to go it alone when you pass. You’ll get an insurance policy in your name and you can start earning a No-Claims Discount as a provisional holder, if you’re claim free. This policy gives you the flexibility to improve your driving and gain valuable experience behind the wheel when it suits you.
If you’re a provisional licence holder, aged between 17 and 24, we can cover you in a wide range of vehicles under 18 years old. Each driver must be accompanied by a parent or guardian that holds a full UK driving licence.
Learner insurance benefits
- Unique insurance policy which offers you two options at the start of your policy to cover you both on a provisional and once you have passed.
- Learner driver can earn a No Claims Bonus.
- No driving curfews. Freedom to practice when you want.
- 24 hours, 7 days a week claims helpline.
- Wide range of optional extras.
Continuous learner insurance when you pass your driving test
We can keep you insured once you pass your test (subject to an additional premium), provided you fit a telematics device to your vehicle. Also, if you stay claim-free as a learner driver, you can continue your way to your own No-Claims Discount. Terms and conditions apply.
*Price based on a 17 year old provisional licence holder, living at home, driving a Fiat 500 Lounge, Post code B78.
Price includes Insurance Premium Tax at the prevailing rate, a £95 setup administration fee and is subject to underwriting criteria.