Our guide to Learner Driver Insurance

Find out everything you need to know about the options for insuring a learner driver in their own, or a friend or family member's, car.

learner driver in car

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.

Compare Learner Driver Insurance Options

Short term learner insurance

Temp cover in a family or friend's car

  • dotInstant online cover with no black box
  • dot30, 60, 90, 120, 180 and 240 day options
  • dotCovers you during the driving test
  • dotNo risk to car owner’s No Claims Discount

Black Box Insurance

Young driver as the main driver

  • dotUses black box technology
  • dotNo curfews or night time driving restrictions
  • dotSeamless cover before and after passing test
  • dotEarn your own No Claims Discount

Named Young Driver Insurance

Learn in a family or friend's car

  • dotUses black box technology
  • dotNo price increase when they pass their test
  • dotNo risk to the owners No Claims Discount
  • dotYoung driver starts to earn own No Claims Discount

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.

    young man and dad car

    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 3rd 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.

      girl learning to drive

      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

      What are the best cars to insure learner drivers on?arrow
      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.
      Is black box insurance good for learner drivers?arrow
      Black box insurance allows drivers to reflect on their journeys and review where their driving is good and under control, and also where they might be making mistakes, which is helpful for someone who is still learning to drive.
      Does learner insurance cover the supervising driver to take over?arrow
      Yes – should your supervising driver need to take over for any reason, this policy will cover them until the end of the session.
      Can you earn NCD on a provisional licence? arrow
      Yes – providing you have an annual insurance policy and keep it running for the whole year without making a claim, you will earn your own No Claims Discount.
      Can I get learner insurance to cover my driving test?arrow
      All Marmalade’s insurance policies for learner drivers will cover provisional licence holders during their driving test, provided the DVSA requirements are met. If you choose an annual policy, the cover will continue seamlessly after you pass. However, our short term learner insurance will cease as soon as you pass your driving test – so you will need someone to drive you home!

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