We’re showing you the cheapest ways to insure a learner driver
The cost to insure a learner will differ for everyone but there are things you can do to make it as cheap as possible. Don’t assume there is only one way to insure a learner driver – there’s lots of different ways, and each one will bring a different cost. It’s about finding out which is the most cost-effective option to suit you and planning in advance to keep the costs as low as possible.
Typically adding a learner driver onto an existing insurance policy is the most expensive way to get a learner on the road. Every insurer is different so whilst we can’t give you an exact figure, what we can do is give an average cost to add a learner driver to an existing insurance policy and the alternatives. Unfortunately, many insurers see young drivers as high risk meaning there’s a chance they may not even insure them and if they do, the prices can skyrocket. For parents looking to get their teen insured on their car, it may seem like the only solution. But it isn’t – there are better and more cost-effective ways to get insurance cover for learners.
Here we've looked at the cost of insuring a 17 year old learner driver in 3 different areas. You can see how the costs compare - from putting a learner driver as a named driver, vs a separate insurance policy for the learner for 1, 6 and 12 months!*
|Location||Cost of parent's annual insurance without learner||Learner driver as a named driver||12 months' learner insurance *||6 month's Learner Insurance||Monthly learner insurance|
Picking up a separate provisional insurance on a parent's or friend's car is a great way to save money, instead of adding them to an existing policy - but how much does learner driver insurance cost? Well, at Marmalade we offer cover for learner drivers on a parent’s or friend’s from £1.23² per day. This means learners can get behind the wheel and practise driving with a qualified driver whenever they like - getting much needed driving experience before taking their test. We think it’s a great, cost effective way of helping learners build their driving skill and confidence.
If a learner driver is lucky enough to have their own set of wheels, they’re going to want the cheapest learner driver insurance possible - right?! The best way young drivers can save money on insurance, whether they’re a learner or not, is by getting a black box insurance policy. The average car insurance price for drivers under the age of 25 in the UK is £1795 a year¹. Provisional licence holders who purchased Black Box Insurance through Marmalade on average paid £1160 - a pretty big saving compared to the national average! Want to know the best part? The price won’t increase when you pass your driving test, which can often be the case with other companies. The price you start with is the price you’ll keep - whether you pass early on or you remain a learner for a little bit longer!
Everyone wants cheap learner insurance which is why it’s important to know what options are available, and what different types of cover will cost. Cheap learner driver insurance isn’t a myth – you can get it – but you need to know which cover is right for you in order to get it as cheaply as possible. There isn’t a ‘one size fits all’ solution when it comes to cheap car insurance for learner drivers - it’s all about figuring out which car they’ll be driving, how long they’ll be driving for and how frequently they’ll be behind the wheel. Once you know these things, you can make an informed decision and get the best insurance quotes to suit the situation. If you're completely stuck on what kind of policy you need, you can use our handy tool which helps you narrow down the choice!
Getting a short term insurance policy for the learner on a parent’s car is a cheap and flexible option for learners who want to practice outside lessons with a driving instructor. The price of cover will depend on how long you have the policy (as well as a few other rating factors such as location) but generally the more days you choose, the cheaper it works out per day. We offer short term learner driver insurance from £1.23² a day, making it a super cost-effective way of getting a learner on the road. This is great for anyone learning to drive and also benefits the car owners. Should the learner need to make a claim, their No Claims Discount won’t be affected.
If the learner wants cover on their own car, they’ll need an annual insurance policy. This is generally where prices can creep up as younger drivers are a higher risk. One of the best ways to keep insurance costs as low as possible is to get a black box. Not only will it help keep prices down, but it will help the learner improve their driving skills before test day, and beyond. The best part, we think, is that provisional licence holders who pick up our Black Box Insurance will save over £600 compared to the national average¹. You don’t need to worry about the price changing either - it will stay the same throughout the whole policy, so qualified drivers won’t suddenly be expected to pay more. If you're unsure, check out our guide which will help you decide if black box insurance is for you.
Here’s our top 5 tips to make your learner insurance as cheap as possible
In short – yes, in most cases it’s cheaper to get insurance as a learner driver than it is as a new driver. It sounds strange, right? Well, there’s a couple of reasons for this. Learner drivers are very cautious on the roads, driving slowly and with great care as they learn the ways of the roads. They also have to display L plates by law, so every other driver knows there’s a learner around. This, paired with the fact that an experienced driver is with them at all times to take over control of the car should they need to, means learners don’t make as many insurance claims as new drivers.
Drivers who have just passed and are out on the roads by themselves don’t have the safety net of an instructor or parent, and aren’t legally required to display any plates (although P plates are ideal for new drivers who are less confident on the roads) so other road users may not be as cautious around them – which unfortunately leads to more claims and therefore, a higher insurance premium. Many insurers will increase the premium of a driver who goes from provisional to full licence because of this. At Marmalade, we’re not going to punish young drivers by increasing their premium after they’ve passed their test – that’s ridiculous! Learners who pick up black box insurance on their own car or annual learner insurance on a parent's car will pick up that early saving (because they’re still learning) won’t have to pay a penny more when they pass! Going from learner to full licence insurance with Marmalade is designed to take the hassle out of sorting insurance as a new driver - and is available on the young drivers own car or their parent's car!
If you want to get a quote for short term learner driver insurance all you’ll need to do is pop in a few details on our online form such as the age of the learner, and the postcode. We’ll then be able to give you a price for cover from 30-180 days!
¹The average premium quoted for drivers aged under 25 in the UK is £1795 based on the Consumer Intelligence Car Insurance Price index (March 2020). The average new business premium for provisional licence holders who purchased Marmalade Black Box Insurance from April - September 2020 was £1160.
²Price based on £221.76 for a 180 day policy. This amount is currently achievable by drivers from over 440,000 households in the UK. Price and cover dependent on location.
*Quotes correct as of 4.11.2020 were gained using the same policyholder details, and the same car (a 2013 Vauxhall Corsa SXi) for 3 different addresses – the car owner being a 44 year old, who is employed with 7 years NCD and No Claims and Convictions. The learner driver is aged 17 and living at the same address, with no driving claims or convictions. Where price for the parent’s insurance and adding a learner driver were obtained, the cheapest price from the comparison site was used
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Marmalade is a trading style of Young Marmalade Limited (registered in England under company number 04627884) and Provisional Marmalade Limited (Registered in England under company number 06779950). Registered office for both companies is Marmalade House, Alpha Business Centre, Mallard Road, Bretton, Peterborough, PE3 8AF. Young Marmalade Limited is an Appointed Representative of Provisional Marmalade Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 542063. You can check this on the Financial Services Register by visiting fca.org Representative of Provisional Marmalade Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 542063. You can check this on the Financial Services Register by visiting fca.org