The cost of provisional car insurance differs depending on a range of factors, including age of the learner driver, vehicle type, vehicle age and more. Our annual insurance rates for learners start from as little as 64p per day**, and we always strive to deliver the best value for money possible.

Provisional car insurance rates in the UK differ. To find out how much your cover could cost, use our simple quote calculator.

While you must be insured to drive a car, even if you’re learning, whether you need to arrange it yourself depends on how your are learning. If you are only receiving lessons from an approved driving teacher or centre, then they must arrange learner driver insurance for you – it’s typically built into the cost per lesson, but if you don’t know, make sure you check this with your driving instructor.

If you want to practice outside of lessons, you must be insured to drive, either in your own car or that of a friend or family member. That’s when it can be a good idea to arrange provisional car insurance.

Provisional car insurance works by covering you when you’re behind the wheel of your own car or that of another persons, whose vehicle must be listed on the policy.

Learner driver insurance works differently depending on the level of cover you have arranged. It must include the third party insurance, which covers damage to another person, their car or their property in the event of an accident. This can be boosted by fire and theft cover which covers loss and damage in those situations, or comprehensive cover, which covers all the above, plus any damage to the car that is purely your fault.

Unlike other insurers we don’t place a curfew on when you can drive. As long as you are accompanied by a driver over the age of 21 who has held a suitable full UK (or EU, Switzerland, Liechtenstein or Iceland) driving licence for three years or more. This applies whether your learner car insurance covers you driving your own car or another person’s.

You can learn to drive as a named driver, but the owner of the car should be aware that their No Claims Bonus could be at risk. Provisional car insurance from Collingwood typically protects the car owner’s No Claims Bonus if a learner is driving the car and has an accident.

Yes you do. They must be qualified to drive the car, over 21 years of age and hold a full UK, EU, Switzerland, Liechtenstein or Iceland driving licence. You must also make sure that any vehicle you are learning to drive, whether yours or someone else’s, has L plates displayed on the front and back of the car.

If you fail your driving test, your annual provisional car insurance will still cover you, as long as less than a year has passed since the policy was purchased. Your cover will only cease when you pass your driving test, or when it reaches the point of renewal.