Learner driver insurance: how it works

Learning to drive is expensive, but one of the easiest ways of cutting the cost of learning is by getting in some private practice in your own car or a parent’s car.

On top of this, private practice should will also allow you to build experience and confidence that much faster.

The problem here though is getting insurance on the car in which you want to practice. Your parents may well have suitable cars, but affordable cover may be elusive – which is where learner insurance comes in.

This allows you to practice in somebody’s car, and instead of you having to be covered by their insurance, you’re covered by your own. You’re comprehensively insured too, which means that if you prang a parent’s car, they won’t have to claim on their policy.

There are lots of these schemes available, with prices typically starting at around £80 per month. Generally you can learn in pretty much any type of car, if it’s under supervision, and with the owner’s permission.

Policies generally range from an initial month to a whole year, but once you’ve paid for that initial period, you can normally top up a week at a time. Crucially, as soon as you’ve passed your test you’ll need to arrange a normal insurance policy or you’ll be driving uninsured.

You’ll have to ensure you’re not breaking any terms and conditions — insurance companies don’t like young drivers driving expensive and powerful cars — so make some checks.

There’s normally an insurance group limit (such as 30), as well as a limit on the car’s value. It’s not just the car that can cause problems though; whoever supervises you is probably going to have to be at least 25 years old, and should have had a licence for at least three years.

On top of this, there may be other restrictions, such as driving at night, and any car you learn in must already be covered by a normal insurance policy. You’ll probably have to buy a separate policy for each car too, if you practice in more than one.

Posted in Learning.

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