What is Learner Driver Insurance?
Whether you’re a learner or a seasoned pro, it’s a legal requirement to have insurance when you’re behind the wheel. Learner Driver Insurance covers the learner while they practice their driving skills in a friend or family member’s car and continues to provide cover during their test.
This flexible, short-term policy protects the car owner’s No Claims Discount while providing the learner the cover they need – just choose 30, 60, 90, 120, 180 or 240-days cover. There are a few rules and stipulations around where you can drive and who with (supervising drivers need to be aged 25 or over and to have held a full UK driving licence for at least 3 years), so take a look at our complete guide to Learner Driver Insurance.
Do learner drivers need insurance?
In short, yes. Anyone who is driving on a UK road, by law, needs to have valid insurance in place – even if they are a provisional licence holder. If you’re driving with an instructor, they are likely to already have this in place, but if you are planning on practising outside lessons in your own car or a family member’s/friend’s car, then you definitely need insurance as a learner driver. The penalty for driving without valid insurance is £300 and 6 penalty points (or more if it goes to court). No-one wants that at the start of their driving career, right?
1
Get covered
Get a quote for your learner insurance. The hassle-free comprehensive cover is flexible, easy to arrange and sits alongside the main insurance on the car.
2
Get practising
Practise in a friend or family member’s car – with no risk to the car owner’s No Claims Discount. Need extra practise? Just take out another policy to extend your cover while you get ready for your test.
3
Pass your test
Previous Learner Driver Insurance customers are eligible for 10% off their next Black Box Insurance policy, based on using the same details.
Increase your chance of passing with private practise
Who can supervise a learner driver?
Any driver over 25 who has held a valid full UK driving licence for at least 3 years can supervise a learner while they’re practising. It doesn’t necessarily need to be the car owner, as long as they have permission and are qualified to drive the vehicle you are using. Bear in mind, if their licence is for automatic vehicles, they can’t supervise you in a manual car.
The DVSA recommends learner drivers get as much private practise alongside lessons as possible, especially since learners are taking around six months or more to pass their test. With their Ready to pass? campaign, the DVSA are urging learners to get in some extra practise if they think they aren't ready - rescheduling their test to give themselves some extra time.
Before you head out practising, check out our guide to make sure you get the most out of private practise.
Why choose Marmalade's Learner Insurance?
No risk to the car owner’s No Claims Discount
The car owner’s No Claims Discount is unaffected – even if the learner needs to make a claim!
Be on the road sooner with instant cover
Get a quote in minutes and you can be covered to drive straight away, once you’ve paid.
Save money when you renew your policy
Stay with us and enjoy discounts such as 10% off Black Box Insurance.
Over 15 years of experience
We’re learner and young driver specialists! We’re here for you from provisional to full licence with loads of helpful guides and tips
Common questions about learner insurance
This policy is designed specifically for learner drivers, so cover will end as soon as you pass your driving test. So, if you do take the test in the insured car - make sure you arrange a lift home from the test centre.
Your journey with Marmalade doesn’t have to end - discover the options with our insurance finder tool.
Yes, you will need to take your insurance policy documents with you and ensure the car meets the requirements set by the government. Remember, your cover ends immediately after the test has been passed, so you need to organise a lift home.
Our short-term learner insurance policy will cover you to take your driving test in a friend or family member's car as it's designed to sit alongside an existing motor policy of a car owned by someone else. The policy ceases once you pass, so make sure you have a lift arranged or have another policy in place.
If you’re looking for car insurance for a driving test on your own car - check out our Black Box Insurance. It's designed to cover a young driver in their own car before and after they pass with no increase in price on passing. If you're not quite decided yet what type of insurance you need, we have a handy guide to help you compare insurance options for learner drivers.
You may well be able to, it all depends on your current policy as some insurers won’t allow it. For those that do, it could affect your No Claims Discount should they have a bump. Get a quick quote for our learner driver insurance; it won’t affect your No Claims Bonus as it sits beside your existing policy.
You can enjoy learner driver insurance for as long as you are learning to drive. We'll send you reminders before your policy expires. As your details are saved with us it's super easy to get you covered! Simply log in, check your details, choose your policy length, pay and you're sorted!
There are lots of ways to get in touch with the team - by phone, live chat, social media and email. Live chat is a great place to start - simply click on the speech bubble at the bottom right of this page. If you need to speak to a member of the team, you can contact us on 0330 343 8814, during working hours. You can find out our opening hours and read more about how to get in touch on our contact us page.
As this is a short-term policy, you won’t start building your No Claims discount just yet. If this is important, why not check out our Named Young Driver Insurance which is an annual policy in the young driver’s own name and allows them to start earning their own No Claims Discount.
The great news is that it offers seamless cover from learner to full licence with no price increase on passing the driving test!
If you're looking to insure a learner driver on your car there are two options. They can take out a standalone policy that covers them when they are behind the wheel until they pass their test, like our learner driver insurance, or you can speak to your insurance company about adding a named driver. Get a quote and join the thousands of learners who opt for our short-term learner insurance every month.
Unsure what policy to choose?
We’ve got a handy tool to help you figure it out - simply answer three quick questions and we’ll show you the options that may suit your young driver best
What's covered by our Learner Driver Insurance policy?
Legal liability | |
Damage to the car owner’s vehicle | |
Medical expenses up to £250 | |
Personal belongings up to £100 |