The question as to whether learner driver insurance is expensive is a difficult one to answer. Expense is subjective. The cost of learner driver insurance is dependent on a number of factors and insurers will consider underwriting criteria before quoting a premium for learner driver insurance.
The cost of a learner driver insurance premium will look at everything from the age and address of the learner 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
- Date car first registered
- Car value
- Date of birth
- 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 Learner Driver Insurance Cheaper?
Unfortunately, you can’t make your learner driver 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 Insurance Cost vs Full Motor Insurance Cost
According to Moneysupermarket, learner driver insurance on average is 40% lower than car insurance for people with a full licence – mostly because if you’re a learner driver you’ll always need a more experienced driver both on your policy and beside you when 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 learner driver insurance today with Collingwood.