Learner driver insurance own car
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’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.
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.
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 driver that is over 25 years old and has held a full driving licence for at least three years.
- 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.
Helping learner drivers for more than 20 years
For over 20 years, we’ve been helping young motorists get a great deal on their learner driver insurance. Our team are here to give you the best advice and help you need to get you on the road.
At A Choice, we are transparent from the start about the options available to you and the costs involved. We also work with a trusted panel of insurers, to find you the right insurance, at the right price.
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. New data shows that some learner drivers need as many as 21 attempts in a calendar year to pass their practical test. Separate data from the DVSA also shows that in 2018/19, the pass rate was 45.8%, the lowest figure since 2008/9.
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 16 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.
- UK call centre.
- 24 hours, 7 days a week claims helpline.
- Flexible payment options.
- Wide range of optional extras.
Continuous learner insurance when you pass your driving test
Once you pass your test, we can keep you insured, providing 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.
Types of cover
At A Choice we can offer two levels of cover for learner drivers.
Comprehensive
Which covers you for third party claims after an incident, fire and theft damage, accidental damage to own vehicle, malicious damage and windscreen cover.
Third-party, fire and theft
This covers you for fire and theft damage to your own vehicle, damage to a third-party vehicle.
Frequently asked questions
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 own car providing 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.
More information
If you would like further information, call us on 0330 127 4500 or email us.
*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 £20 setup administration fee and is subject to underwriting criteria.