All about Learner Driver Insurance
Learner Driver Insurance is for provisional licence holders looking to practice their driving, outside of lessons with an instructor, with a friend, parent or grandparent supervising. If you're just starting out on your driving journey, you may have questions on where to start and how learner driver insurance works. Well, we're here to help!
Insurance policies are never one-size-fits-all, so we've broken down the different options to help you find one that suits you. If you’re still unsure, we've got a super handy tool to help you decide which policy is most suitable.
Short Term Learner Insurance
Temp cover in a family or friend's car
- Instant online cover with no black box
- 30, 60, 90, 120, 180 and 240 day options
- Covers you during the driving test
- No risk to car owner’s No Claims Discount
Black Box Insurance
Young driver as the main driver
- Instant comprehensive cover
- No curfews
- Cover before and after you pass
- No price increase on passing
Named Young Driver Insurance
Driving a parent’s car
- Alternative to being a named driver
- Earn your No Claims Discount
- Fully comprehensive cover
- No risk to parents’ No Claims
Do I need insurance to supervise a learner driver?
As long as the learner driver has insurance in place, the supervising driver won't need specific cover as they will be covered by the learner's policy, providing they meet the eligibility criteria.
It's important to remember however, if you're allowing a learner to practise in your car, you will still need your own insurance in place for the vehicle, separate to the learner's policy. Supervising drivers must be aged 25 or over and have held a full UK driving licence for at least three years.
Can you insure a car with a provisional licence?
Yes, you can insure a car with a provisional licence. Our Temporary Driver Insurance and Named Young Driver Insurance cover a learner on a family member's, while our Black Box Insurance provides cover on their own car. Remember, insurance is a legal requirement, so you will need to get it in place before hopping behind the wheel.
What does insurance for learner drivers cover?
Here at Marmalade, all our policies are comprehensive so they will cover the car you are driving as well as any third party damage. In addition to this, they will cover the supervising driver to take over in a medical emergency.
The policy will also cover the learner driver during their driving test, however, if you have selected a short term policy, the cover will cease as soon as they pass their test – so they may need a lift home!
If you'd like to read more about what learner driver insurance covers, have a look at our policy details.
Can two learner drivers be insured on the same car?
They sure can. If you've got more than one learner desperate to get in the driver's seat, you can set up two different insurance policies (one for each learner) on the same car, with no fuss. The only thing we can't help with? Deciding who gets to be the first behind the wheel.
Still unsure which cover you need?
We can help you find a policy that may be suited to you - all in three questions!
Frequently asked questions
While there are some restrictions, learner drivers can get insured on most cars. It's important to bear in mind that the type of car will impact the cost of the policy so if you're hoping for a cheaper quote, a car that is smaller and in a lower insurance group might be the right option for you. Check out our guide on first cars for new drivers if you need more help.
Parent advice
Black Box mythbusters
