Learner Driver Insurance – in your own car!
Get seamless cover (from learner to full licence) with no price increase when you pass with Black Box Insurance on your own car.
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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.
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.
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.
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
What's covered with car owner's learner insurance?
Legal Liability
Damamge to your vehicle
Windscreen repair/replacement
Medical expenses up to £150 per person
Personal belongings up to £250
Frequently asked questions
Will learner insurance on my car cover me to take my driving test?
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.
- 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.
Is this a cost-effective way to get annual learner insurance?
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.
Who can accompany me as a learner driver in my own car?
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!
How can I practice in a parent's car?
If you want to practice 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.
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