Annual learner driver insurance for your own car
Learn to drive with annual learner driver insurance designed for provisional licence holders. Get covered on your own car or a parent’s car, build your No Claims Bonus while you learn and keep your cover when you pass your test.
- Policies from under £200*
- No black box required while learning.
- Cover on your own car or a parent's car.
- Start building your No-Claims Bonus from day one.
- Keep your policy when you pass - no need to cancel**
- Specialist learner driver insurance from A Choice
What is annual learner driver insurance?
Annual learner driver insurance is car insurance designed for provisional licence holders who want longer-term cover while learning to drive. Rather than arranging insurance each time you want to practise, an annual policy can provide ongoing cover while you learn, subject to the terms of your policy. With A Choice, you can get learner driver insurance for your own car or a parent’s car, giving you the freedom to gain valuable driving experience outside your professional driving lessons. Having a policy in your own name can also allow you to start building your own No Claims Bonus while protecting the car owner’s existing No Claims Bonus.
Who is annual learner driver insurance suitable for?
Annual learner driver insurance could be suitable if you:
- Are aged 17–24
- Hold a valid UK provisional driving licence
- Own a suitable car or have access to a parent's car
- Expect to practise regularly while learning
- Want longer-term cover rather than temporary learner insurance
- Want the opportunity to start building your own No Claims Bonus
Annual vs short-term learner driver insurance
Whether annual or short-term learner driver insurance is right for you will depend on how often you plan to practise and the vehicle you will be driving.
Annual learner driver insurance
Annual learner driver insurance may be more suitable if you have your own car or expect to practise regularly over a longer period.
- Suitable for learners who expect to practise regularly
- Ideal if you have your own car or access to a suitable vehicle
- Longer-term insurance cover while you are learning
- No need to arrange temporary cover each time you want to practise
Short-term learner driver insurance
Short-term learner driver insurance may be more suitable if you only need insurance for a limited period or occasional private practice.
- Suitable for occasional private driving practice
- Useful when you only need cover for a limited period
- Flexible alternative to longer-term learner insurance
- Useful for additional practice alongside professional driving lessons
What are the benefits of annual learner driver insurance?
Build your No Claims Bonus while learning
With a policy in your own name, you can start building your No Claims Bonus from day one.
Building up claim-free driving experience could help when arranging insurance in the future.
Protect the car owner's No Claims Bonus
If you're learning in a parent's car, having learner driver insurance in your own name means a claim on your policy won't affect the car owner's No Claims Bonus.
Get more driving practice
Private practice alongside professional driving lessons gives you more opportunities to build your experience and confidence behind the wheel.
No black box while you're learning
Our learner driver insurance does not require a black box while you hold your provisional licence.
Some insurers may require a telematics device after you pass your driving test, depending on the policy you choose.
Learn more about telematicsKeep your policy when you pass
With A Choice learner driver policies, you don't necessarily need to cancel your insurance and arrange an entirely new policy when you pass.
Contact us as soon as you've passed your test so that we can update your policy and confirm your new cover.
How does annual learner driver insurance work?
You take out a learner driver insurance policy in your own name, covering you to practise driving in your own car or a parent’s car. While you hold a provisional licence, you must follow the legal requirements for learner drivers, including being accompanied by a supervising driver. You can then use your insured vehicle for private practice alongside your professional driving lessons, helping you gain more experience before taking your practical driving test. If you pass your test during the policy, contact A Choice immediately. Your policy will need to be updated before you drive as a full licence holder.
What does learner driver insurance cover?
The cover available will depend on the policy you choose.
Comprehensive learner driver insurance
Comprehensive cover can include protection for:
- Third-party claims
- Accidental damage to your vehicle
- Fire and theft
- Malicious damage
- Windscreen damage
Third-party, fire and theft
Third-party, fire and theft cover can include:
- Damage caused to third parties
- Fire damage to your vehicle
- Theft of your vehicle
How much does annual learner driver insurance cost?
Learner driver insurance policies are available from under £200*, but the amount you pay will depend on your individual circumstances.
Factors that can affect the cost of learner driver insurance include:
- Your age
- The car you drive
- Where you live
- Your occupation
- The level of cover you choose
- Insurer underwriting criteria
The easiest way to find out how much annual learner driver insurance could cost you is to get a personalised quote.
Get an annual learner driver insurance quoteCan I insure my own car as a learner driver?
You can own and insure a car while you hold a provisional driving licence. Learner driver insurance from A Choice can cover you while learning in your own car.
With a learner insurance policy in your own name, you can also build your own No Claims Bonus while learning.
Having a learner policy in your own name on your own car is a great way to get additonal private practice inbetween professional driving lessons.
Can I get learner driver insurance on my parent's car?
A Choice learner driver insurance can cover learners practising in a parent's or family member's vehicle. Dedicated learner driver insurance can be arranged in your own name.
Having dedicated learner insurance in your own name also means a claim made under your policy won't affect the car owner's No Claims Bonus.
Having a learner policy in your own name on your parent's or family memeber's car can provide a convenient way to get additional private driving practice between professional driving lessons.
Who can supervise a learner driver?
When practising with family or friends, your supervising driver must meet the DVSA legal requirements for supervising a learner.
They must:
- Be at least 21 years old (minimum age can vary depending on insurer)
- Have held a full driving licence for at least 3 years (from the UK, EU, Switzerland, Norway, Iceland and Liechtenstein)
- Be qualified to drive the type of vehicle you’re learning in
- Not currently banned from driving
You and your supervisor should always check the current legal requirements before private practice.
What happens to my learner insurance when I pass my driving test?
Passing your driving test changes your driving licence status, so it’s important that you contact A Choice as soon as you pass. With eligible policies, you can continue your insurance rather than having to cancel your learner policy and start again. Your cover and premium may need to change, and some insurers may require a telematics device once you have a full driving licence.
You must contact us before driving after passing your test so that we can update your policy and confirm that the appropriate cover is in place.
Why choose A Choice for annual learner driver insurance?
- Specialist learner and new driver insurance
- Access to insurers who specialise in learner drivers
- Competitive cover
- Flexible payment options
- A range of optional extras
- Friendly call centre to answer your queries
- 24/7 claims helpline
- Support when you pass your driving test
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Trusted by learner drivers across the UK
Learner driver insurance FAQ's
Yes – we specialise in learner driver insurance and work with insurers who provide dedicated cover for provisional licence holders. With many policies available from under £200.
Yes. Provisional licence holders can take out annual learner driver insurance, giving them longer-term cover while they learn. Eligibility will depend on factors including your age, vehicle and insurer underwriting criteria.
It depends on how you plan to learn. Annual learner insurance may suit learners who intend to practise regularly over a longer period. Short-term learner insurance may be more appropriate when you only need cover occasionally or for a limited period.
A Choice learner driver insurance does not require a black box while you’re learning to drive.
After you pass, some insurers may require a telematics device depending on your policy.
Yes, with our annual learner driver insurance in your own name, you can start building your own No Claims Bonus while learning.
Yes. You can own a car as a learner driver. You must have appropriate insurance before driving it and follow the legal requirements that apply to provisional licence holders.
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.
In the UK, learner drivers can have passengers but there must be a qualified supervisor in the car.
No. Private practice can be supervised by an eligible family member or friend, provided they meet the legal requirements for supervising a learner driver
Yes, you can add a parent your learner driver policy.
You can continue your policy without needing to cancel. Some insurers may require telematics after passing.
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.
Get annual learner driver insurance today
Get more time behind the wheel with annual learner driver insurance from A Choice.
Whether you’re learning in your own car or a parent’s car, we’ll help you find suitable cover so you can concentrate on gaining experience and getting ready for your driving test.
Get your learner driver insurance quote today and get covered immediately.
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Page was last reviewed in August 2026