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Learner driver insurance

Cover from £1.08 per day.*
Flexible cover options from 30 to 180 days.
Practice in a family member or friend’s car.
Owner’s No Claims Bonus not affected.
red hatchback car with l plate on driver door
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Rated ‘Excellent’ on Trustpilot

Annual learner cover in
your own car

12-month learner car insurance on your own car. Continuous cover after you pass your test available. Learn more about annual cover.

silver hatchback car with l plate on driver door

Short-term learner cover in someone else's car

Flexible short-term cover in someone else’s car for either 30, 60, 90
or 180 days. Owner’s No Claims Bonus not affected.

red hatchback car with l plate on driver door

Car insurance for learner drivers

Our learner driver insurance provides short-term cover whilst you’re learning to drive in someone else’s car. There are no driving restrictions and no risk to the car owner’s No Claims Bonus if you make a claim. Extra practice behind the wheel will help develop your driving skills and you’ll gain valuable on-road experience.

The policy sits alongside an existing motor policy of a car owned by someone else. Cover starts from as little as £1.08 a day* and you can choose a policy that lasts either 30, 60, 90 or 180 days, which you can extend and renew as and when you need to.

happy young female driver in car swapping l plates for p plates

Helping learner drivers for more than 20 years

For over 20 years, we’ve helped to insure thousands of young drivers by offering innovative products and fairer premiums. As a specialist learner driver insurer, our team are here to give you the best advice and help you need to get you on the road.

Flexible learner driver insurance

At A Choice, we appreciate that one size doesn’t fit all. If you’re looking to practice in your own car, our annual learner insurance provides continuous cover before and after you pass your practical driving test.

happy young lady in car ripping up l plate

Learner driver insurance benefits

Practice your driving skills as and when is convenient for you and gain valuable on-road experience.*

Fully comprehensive policy with no impact on the car owner’s No Claims Bonus if you make a claim.

Flexible short-term car insurance, where you can choose a policy that lasts either 30, 60, 90 or 180 days, which you can extend and renew as and when you need to.

What’s covered?

Covered
Legal liability for death or injury to any other person, including passengers.
Legal liability for damage to other people’s property up to £20,000,000 for any one event.
Medical expenses up to £250.
Damage to the car owner’s vehicle.
Vehicle recovery.
Personal accident cover up to £2,500.
Personal belongings cover up to £100.
In-car entertainment and navigation equipment cover.
Up to £500 for replacement keys or locks.
Driving other cars.
Windscreen repair/replacement.
Courtesy cars are not provided under this policy.

4 flexible cover options available

Days
30
Days
60
Days
90
Days
180

Why do I need learner driver insurance?

The DVSA recommends a further 22 hours of private practice, in addition to professional driving lessons. Extra practice allows you to build on the skills you’ve learned from your instructor. It also gets you in the habit of driving regularly, so that it starts to become second nature.

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.

Learner driver insurance provides comprehensive cover and protects the car owner’s No Claims Bonus if you have an accident.

  • Driving test pass rates are around 45%, so extra practice behind the wheel can improve your chances of passing first time.
  • Extra practice will help improve your confidence behind the wheel.
  • You’ll become more familiar with local routes.
  • You’ll get used to driving in different weather conditions and at different times of the day.
  • You’ll gain valuable on-road experience which will improve your awareness and anticipation.

Four reasons to choose A Choice learner driver insurance

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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.

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Practice more

Practice as and when is convenient for you. Gain valuable driving experience, which could help you pass your test faster.

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Flexible insurance

You can choose a policy that lasts either 30, 60, 90 or 180 days, which you can extend or renew when you need to.

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Peace of mind

Practice your driving in a parent or friend’s car as their No Claims Bonus will not be affected if you make a claim.

Got more questions about learner driver insurance?

As a provisional licence holder, you must not drive the vehicle unless accompanied at all times by a person aged 25 years or over, who holds a full UK driving licence which has been issued for at least 3 consecutive years (unless the accompanying driver is a qualified driving instructor).

Your policy is automatically cancelled once you pass your practical driving test, so you’ll need to arrange a lift home from the test centre.

Yes, as long as the change still meets the policy criteria, you are able to make changes to the policy. Please contact us straight away to notify any changes which may affect your cover. Depending on the nature of change you require, the premium may need to be recalculated.

Our learner driver insurance provides cover for provisional licence holders aged between 17 and 34.

You can drive with as many passengers as the vehicle can legally hold for social or similar purposes.

You may cancel your policy at any time. Full cancellation details are contained within your policy booklet.

If the policy period exceeds 30 days, there is a reflection period of 14 days (if the policy period is less than 30 days, there is no reflection period due to the short-term nature of the policy).

If you cancel the policy during the reflection period, you will receive a refund of any unused portion of the premium on a proportionate basis depending on the number of days left to run under the policy (providing there have been no claims reported).

After the reflection period, there is no refund of premium for policies of less than 60 days duration if you cancel the policy. For policies of more than 60 days duration, if you cancel after the reflection period you will receive a refund of any unused portion of the premium on a proportionate basis depending on the number of days left to run under the policy (providing there have been no claims reported).

Due to administration costs, no refund will be given where the amount of the return premium is £15 or less.

Provided you are driving under the correct supervision, you can drive any time, day or night.

You cannot earn a No Claims Bonus on our temporary learner driver insurance for policies of 30, 60, 90 or 180 days.

However, with our annual learner insurance, you can start earning a No Claims Bonus on your own car, if you’re claim free.

We’ll cover most vehicles up to insurance group 32, which have a current market value of £30,000 or less and are under 16 years old.

Yes, you are able to change the car on the policy, provided it still meets the required criteria. The vehicle must be a private car registered in the UK and be owned and registered to someone other than you and it must remain insured by the owner throughout the term of the policy. (This policy acts as a secondary insurance and is not suitable as main insurance on the car). The vehicle must not have any modifications, must not be left-hand drive or Q registered and must not be worth more than £30,000.

This policy only covers you for driving the car you took your policy out for. You are not insured to drive another car.

A £250 damage, fire and theft excess applies towards a claim you make on this policy.

The Vehicle must not be modified from the manufacturers specification, whether cosmetic or performance enhancing unless the vehicle is adapted for disability.

To keep your insurance cover up to date, you must notify us as soon as possible about any changes that may affect your cover.

Some examples are:

  • Passing your driving test.
  • A change of vehicle to which you want your existing cover to apply.
  • The insured vehicle is changed or modified from the manufacturer’s standard specification or the vehicle owner intends to change or modify it (including the addition of optional fit accessories such as spoilers, skirts, alloy wheels etc.).
  • A change in the use of the insured vehicle.
  • A change relating to the ownership of the insured vehicle.
  • The insured vehicle has been stolen or is involved in an accident no matter how trivial.
  • If the insured vehicle is likely to exceed the annual mileage declared at the commencement or renewal of the policy for which you may have received a premium discount.
  • Any change in the main user of the insured vehicle.
  • You wish a new driver to be covered.
  • Someone who drives the insured vehicle has any police enquiry or prosecution pending (note – if you have been stopped by the police a prosecution may be pending and must be disclosed).
  • A change of occupation (full or part-time) by you or any other driver.
  • A change of postal address.
  • A change of garaging facilities and/or where the insured vehicle is normally kept overnight.
  • The security system fitted to the insured vehicle is no longer in operation.
  • Any Advanced Driver Assistance Systems fitted to the insured vehicle require recalibration or are not in working order.
 

This is not a full list and if you are in any doubt you should advise us for your own protection.

If the information provided by you is not complete or accurate:

  • We may cancel your policy and refuse to pay any claim, or
  • We may not pay any claim in full, or
  • We may revise the premium and/or change the compulsory excess, or
  • The extent of the cover may be affected.

If you’re looking to insure your own car, our annual learner insurance covers you in your own car before and after you pass your practical driving test. You can also start earning a No Claims Bonus if you’re claim free.

There is no limit to the number of claims in a year.

There are no mileage limits on the policy.

More information

If you would like further information, call us on 0330 127 4500.