Learner Driver Insurance
Learner driver insurance provides cover for provisional licence holders practising in their own car or someone else’s car under supervision. Choose annual cover if you expect to practice regularly, or flexible short-term cover from 1 hour to 28 days for occasional driving and test preparation.
- Available for UK provisional licence holders
- Covers supervised driving practice
- Available as annual or short-term cover
- Cover may be available when practising in a parent's, relative's or friend's car
- Help learners gain valuable driving experience
What is learner driver insurance?
Learner driver insurance is designed for provisional licence holders who have not yet passed their driving test. It can provide cover for private practice outside professional driving lessons, helping learners gain additional experience on the road.
Learner driver insurance can be arranged on either an annual or short-term basis. The most suitable option will depend on factors such as how often you plan to practise, how long you expect to be learning and the vehicle you will be driving.
Annual vs short-term learner insurance
Choosing the right type of learner driver insurance depends on how often you expect to drive and how long you expect to be learning.
Annual learner insurance
Ideal for learners practising regularly over several months.
- Cover Length Up to 12 months
- Best For Regular driving practice
- Flexibility Continuous cover
- Cost Policies available from under £200*
- Suitable For Long-term learner drivers
Short-term learner insurance
Ideal for occasional driving and test preparation.
- Cover Length Temporary cover periods
- Best For Occasional driving
- Flexibility Choose the duration you need
- Cost Pay only for the cover you need
- Suitable For Private practice and driving test preparation
Annual learner insurance may be suitable if you expect to practise regularly throughout your learning journey.You can also start earning your No Claims Bonus.
Short-term learner insurance may be a better choice if you only need temporary cover for occasional practice sessions or while preparing for your practical driving test.
Always check the insurer's eligibility criteria, cover limits and policy terms before purchasing learner driver insurance.
Why do I need learner driver insurance?
You must legally have valid motor insurance before driving on public roads. This can be provided through a learner driver insurance policy that specifically covers you to drive the vehicle. Traditionally, a parent would add you to their existing motor insurance policy as a named driver. Whilst this may work out cheaper, it can affect the car owner’s premiums if you make a claim. A learner driver insurance policy provides comprehensive cover and protects the car owner’s No Claims Bonus if you have an accident.
Who can get learner driver insurance?
Most learner driver policies are available to UK provisional licence holders who meet the insurer's eligibility requirements. While acceptance is not guaranteed, cover will usually depend on the following:
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UK provisional licence
Hold a valid UK provisional driving licence.
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Age requirement
Available to eligible learner drivers aged 17 to 24.
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Eligible vehicle
Drive a vehicle that meets the insurer's eligibility requirements.
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Underwriting criteria
Meet the insurer's underwriting criteria before cover can be offered.
When do you need learner driver insurance?
Learner driver insurance can be suitable if you are:
Practising in a parent's or family member's car
Practising in your own car
Taking additional private practice sessions
Preparing for your driving test
Learning over several months
What are the benefits of learner driver insurance?
More practice opportunities
Gain additional driving experience outside of your professional lessons to continue building your skills.
Flexible cover options
Choose a learner driver insurance option that suits your learning journey and practice schedule.
Build confidence
Spend more time behind the wheel to improve your confidence and prepare for your practical driving test.
Support between lessons
Practise with a supervising driver between professional driving lessons, subject to policy terms.
How to get learner driver insurance?
Choose your cover
Select either annual learner insurance or short-term learner insurance.
Enter your details
Provide the learner driver's information together with the vehicle details.
Select your dates
Choose the policy start date and the length of cover that suits your needs.
Review the policy
Read the policy documents, cover limits and eligibility requirements before purchasing.
Buy your policy
Purchase your learner driver insurance online once you're happy with the cover.
Start practising
Practise with a supervising driver and continue building your driving experience.
Choose your type of learner driver insurance
Why choose A Choice for learner driver insurance?
Experience since 1999
Experience arranging insurance for learner and new drivers since 1999.
Access to specialist insurers
Access to insurers that provide cover for learner and new drivers.
Annual & short-term options
Cover options for regular or occasional private practice.
Optional extras
A range of optional extras is available with annual policies.
Customer support
Speak to our team if you have questions about your cover or policy.
FCA-regulated broker
A Choice is an insurance broker regulated by the Financial Conduct Authority.
Advice for supervising a learner driver
If you are supervising a learner driver, it is important to understand the legal requirements before accompanying them on public roads. Whether you are a parent, family member or friend, meeting these DVSA requirements helps ensure the learner is practising safely and legally.
Good supervision can make a real difference. Effective private practice can help learner drivers build confidence, improve their driving skills and prepare for their practical driving test. Before each journey, make sure the learner has suitable insurance, displays the required learner plates and complies with all relevant licence and policy conditions.
Customer reviews
Read the latest guides for learner drivers
Learning to drive involves more than simply taking lessons. understanding the process and preparing properly can help make the experience smoother and more enjoyable.
Learner driver insurance FAQs
Yes, learner driver insurance is specially designed for provisional licence holders who want insurance cover while learning to drive.
Yes, learners must be insured whenever they drive on public roads, including when practicing with a supervising driver.
Yes, In the UK learner drivers must display L Plates (or D plates in Wales) on the vehicle they’re driving. The plates must be clearly visible and meet the legal requirements.
This depends on the insurer, vehicle and individual circumstances. Dedicated learner driver insurance can provide cover specifically designed for provisional licence holders.
Yes, you can use your learner insurance for your driving test.
It depends on how long you need the learner insurance for. If you need insurance for a few hours, days or weeks short-term learner driver insurance is often the cheaper option. however if you’re learning to drive over a longer period, annual learner insurance may offer better value overall.
When you pass your driving test you will need to inform us as soon as possible. Our helpful team will then be able to go through the options we have available to you.
Yes, learner drivers can drive at night under proper supervision. Always check your policy documents for any restrictions.
Yes, learner drivers can drive on the motorway but only with an approved driving instructor in a car fitted with dual controls.
No, learner driver insurance policies are designed so if you make a claim, it will not affect the vehicle owners No Claims Bonus.
Yes, you can practice in a parent’s car along as you have valid insurance in place.
Get a learner driver insurance quote
Whether you’re looking for flexible short-term cover or annual insurance throughout your learning journey, we can help you find learner driver insurance that suits your needs.
Page last reviewed August 2026
*Correct at 17.03.26 based on lowest prices and prices can start from this price.