about learner insurance...

1. How does it work?

The policy is designed to sit alongside the existing motor policy of the car you'll be driving and provides fully comprehensive cover while you're practising driving in that car.
If a claim needs to be made while you're driving, it will be made on your own policy and won't affect the No Claims Bonus of the car owner (which we're sure they'll be very happy to hear).

2. What type of cars can be covered by Learner Insurance?

We'll cover most cars as long as they're in insurance group 32 or less and have a current market value of less than £20,000.

3. Are my parents the only ones who can supervise my driving?

No. Any driver who is over 25, who currently holds a current valid full UK driving licence, and has done for at least three years, can supervise you. It doesn't even need to be the person who owns the car.

4. Can more than one learner driver be insured on the same car?

The policy only covers a named driver, but each driver can have their own policy and practise in the same car.

5. How much does a Learner Insurance policy cost?

It all depends on the length of policy you choose and where you live. Why not get a quick and easy quote here?

6. Can I be insured on a car I own myself?

No not with this policy. The policy is designed to sit alongside an existing motor policy of a car owned by someone else. Take a look at our New Driver Insurance, which is designed to cover you to drive your own car.

7. What is the excess if I need to make a claim?

If there is an accident, or the car has a fire or is stolen whilst you’re driving, you’ll need to pay the first £250 towards any claim.

8. Can I change my mind?

We really hope you're happy with your Learner Insurance policy. However, you have the right to cancel it within 14 days of receiving the policy documents or the start of the policy, whichever is later, without having to give us a reason. If that happens, we'll refund the premium, deducting payment for the amount of time you've been covered and a £10 administration charge.
After those 14 days, you can cancel the policy at any time and receive a refund for any full months of cover which are outstanding, less a £10 administration charge. Unfortunately, we can't refund any part months left on your policy.

9. Who provides the insurance cover?

Our Learner Insurance policy is underwritten by Chaucer Insurance. Chaucer Insurance is a specialist motor insurer at Lloyd's focusing on private car, motor cycle and light commercial motor insurance.

10. What happens when I pass my driving test?

Well, firstly, give yourself a big pat on the back! After that, all your Learner Insurance cover will stop immediately.
If you're going to continue driving your parents' car you'll need to be added as a named driver to their policy. If you pass your driving test sooner than you expected (clever you), you can have a refund on any unused full months of cover, subject to an administration charge of £10. Again, we can't refund any part months left on the policy.
If you’re looking to buy your own car, then find out about at our New Driver Insurance and our Cars for Young Drivers – our combined car purchase and insurance scheme for young drivers that uses clever black box technology to give you more affordable solutions to get you on the road.