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Learner driver insurance own car

red hatchback car with l plate on driver door

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’ll keep you insured on the same policy. Best of all, we won’t ask you to fit a black box.

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.

No black box insurance

At A Choice, we understand that many learner drivers prefer insurance without a black box, as they don’t want the expense or distraction of a device that monitors how they drive. We can provide a competitive quote on a non-black box insurance policy, so you can focus on what matters the most, improving your driving skills.

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.

practical car pass rates by gender 2018/19

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 black box or telematics device required.
No driving curfews. Freedom to practice when you want.
No mileage restrictions.
UK call centre.
24 hours, 7 days a week claims helpline.
Flexible payment options.
Wide range of optional extras.

Get a car insurance quote

silver hatchback car with l plate on driver door

No driving curfews

With our learner insurance, you can drive anytime you like, with no curfews or no time restrictions. This will help you become a safer driver by getting in extra practice as and when is convenient for you.

No usage or performance scores

Unlike some insurers, we don’t measure your usage to determine a driving score. This allows you to focus on your driving, without worrying about whether your premiums may increase based on your usage and performance.

No mileage restrictions

With our policy, you don’t need to buy or ‘top up’ your miles. We can also add commuting to one permanent place of work or study for most of our provisional drivers.

Continuous learner insurance when you pass your driving test

Once you pass your test, we can keep you insured on the same policy. Also, if you stay claim free as a learner driver, you can continue your way to your own No Claims Discount.

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.

More information

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