Learner Driver Insurance on your own car

Can I get learner insurance on my own car?

Yes, learners can get insured on their own car. Our Black Box Insurance can actually cover drivers from when they’re learning, to after they pass their test – and we won’t put the price of the policy up once the driver passes! This seamless cover means you don’t have to scramble to arrange a new policy after your test, just give us a call to let us know you passed and you’re good to go.

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How does it work?

If you're a learner practising in your own car, we offer comprehensive Black Box Insurance on your own car which allows you to monitor and develop your driving skills through our smart app. It’s super handy while you’re learning as it shows where you’re driving well and where you need to hone your skills – plus it helps you maintain and develop your driving skills once you have your full licence.

The box records your acceleration, braking, cornering, speed and phone usage so you can prove you’re a safe driver so we can more accurately price your policy at renewal. Insuring and driving your own car whilst learning also means you can start earning your No Claims Discount sooner too! Plus, there are no curfews so you can drive day or night, without watching the clock.

How do I get learner insurance on a car I own?

Being a learner driver with your own car doesn't mean it has to be difficult to get insurance. We've made it nice and simple to get covered in three easy steps.

1. Get a quote, apply online and be covered instantly, so you can get out perfecting those driving skills right away.

2. Your black box will arrive within a few days - you’ll need to stick this onto your windscreen and pair with your phone.

3. Start reviewing your journeys to see where you need more practice before test day arrives.

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The benefits of Marmalade’s Black Box Insurance as a learner

Earn your own No Claims Discount

Get comprehensive cover, allowing you to start earning your own No Claims Discount sooner

No price increase on passing

We won’t hike up the price of your policy once you’ve passed!

Drive without restriction

We don’t impose curfews or nighttime driving restrictions so you’re free to use your car whenever you need it

Hassle-free, seamless insurance

Get cover for before and after you pass your test – without having to take out a new policy

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What's covered with car owner's learner insurance?

Legal Liability
Damage to your vehicle
Windscreen repair/replacement
Medical expenses up to £150 per person
Personal belongings up to £250

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Frequently asked questions

Yes. You will need to take your insurance policy documents with you and ensure the car meets certain requirements set by the government. Read the full requirements on taking the driving test in your own car on the government website, and we've summarised the main points here:

It must be taxed
The car must be roadworthy (with a current MOT for cars over 3 years old)
There must not be any warning lights showing
There must not be any tyre damage or space-saver tyre fitted
You must fit L plates to the front and rear of the car and an extra interior rear-view mirror for the examiner
The cover ends immediately after the test has been passed, so make sure you organise a lift home.

When getting a quote on this policy, you may find there are annual insurance policies for learners that look cheaper on the face out it. With this policy, the price stays the same throughout the entire policy, including after you pass your test so you know what you’re paying from the beginning.

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. All you need to do is convince them! Check out our top 10 tips for private driving practice to help you make the most of your private practice!

If you want to practise in a parent's car, you can either check to see if you are covered as a learner driver by their insurance policy, or you can take your own learner driver insurance policy out that covers you driving their car.

Related products

Named Young Driver Insurance

Alternative to being a named driver
Earn your No Claims Discount
Fully comprehensive cover
No risk to parents’ No Claims

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