Last Updated on May 26, 2021

The question as to whether insurance is expensive when you are learning to drive can be a difficult one to answer. Expense is subjective. The cost of provisional insurance is dependent on a number of factors and insurers will consider a range of underwriting criteria before quoting a premium for learner driver insurance.

The cost of an insurance premium for a provisional licence holder will look at everything from the age and address of the driver, all the way through to the make and model of the car. See a non-exhaustive list of typical learner insurance underwriting criteria.

  • Car make and model
  • Registered keeper age and address
  • Date the car was first registered
  • Car value
  • Duration provisional licence held
  • Claims history
  • Type of cover

When you look at how many criteria affect the cost of insurance, you can see why asking if learner driver insurance is expensive makes it a difficult question to answer. Insurance underwriting is all about risk and the profile of your risk to the underwriter.

How Can I Make Learning to Drive Cheaper?

Unfortunately, you can’t make your provisional insurance cheaper through manipulation of the information you provide during the quote process. In fact, if you lie to your insurance provider, your insurance can become invalid, meaning in the event of an accident you won’t be able to make a claim and will need to declare that you’ve had a policy cancelled on all future motor insurance policy applications, which could affect your premiums.

Learner Driver Insurance vs Full Licence Insurance

According to Moneysupermarket, learner driver insurance on average is 40% lower than car insurance for road users with a full driving licence. This is generally due to learner drivers always requiring a more experienced driver both on your policy and beside you whilst you’re driving.

This means that you may be pleasantly surprised at the price you’re quoted for learner driver insurance. Get a quote for provisional insurance today with Collingwood.