The Ultimate Learner Driver Insurance Guide

Last Updated on February 10, 2025

We realise insurance isn’t the most gripping of subjects when you are learning to drive, but it’s important to recognise how important it is and how Collingwood Learner Driver Insurance can help you get extra practice whilst you’re learning.

All the information you need to know before learning to drive

Learning to drive is an exciting milestone, but navigating the complexities of car insurance for learner drivers can be daunting. Whether you’re seeking learner driver insurance for your own car or looking for affordable provisional insurance, understanding your options is crucial. In this guide, we’ll explore everything you need to know about learner driver insurance, including how to get extra practice without risking someone else’s policy, the rules you must follow, and the types of coverage available. With insights from Collingwood Learner Driver Insurance, you’ll find practical tips and solutions to make your learning experience smooth and worry-free.

I passed my theory test, how can I get extra practice without having to book more lessons?

With Collingwood Learner Driver Insurance you can get that extra driving practice in your own car, or in a friend or family member’s car, with no risk to their policy. You can get insurance as a named driver, or get your own Learner Driver policy. Your own policy means that if you have an accident and you had to make a claim you wouldn’t endanger the vehicle owners No Claims Discount. Also, our Annual cover can start from as little as 64p/day*.

Providing there have been no accidents or incidents you have the opportunity to earn 1 years accelerated No Claims Bonus. This means, Collingwood will issue 1 years No Claims Bonus which can be accrued in 10 months rather than 12*. 

What rules do I need to follow when learning to drive in my own, my friend’s or my family member’s car?

Before you start to learn outside of a driving instructor’s car it’s important to understand that there are a few rules you must follow to stay on the right side of the law.

First, you will need your provisional licence, without that you will not be allowed to get behind the wheel of any car. If you don’t have a provisional already, head to the DVLA now to apply for your provisional licence. Next, you will need to apply some L plates, or D plates if you’re in Wales. Make sure you have one on the front and one on the back, that they are clearly visible and don’t obstruct your view.

The last rule is that until you have passed your practical driving test you must always have a supervising driver with you. You cannot, under any circumstances, drive alone.

Who can teach me to drive outside of my driving instructor’s car?

There are four points to remember here, including:

• Your supervising driver must be at least 21 years old
• Any supervising driver must hold a full UK or EU driving licence for a minimum of 3 years
• The supervising driver must be qualified to drive the type of vehicle you’re driving. For example they must hold a manual car licence if you’re driving a manual car.
• The person supervising you must sit in the front passenger seat of the vehicle.

Finally, your supervising driver must abide by the same rules of the road as you. They must conform to eyesight requirements, avoid mobile phone usage and definitely cannot be under the influence of alcohol.

What type of insurance cover can I get as a Learner Driver?

Typically Learner Driver insurance policies offer 3 types of insurance cover, including:

With Collingwood Learner Driver Insurance you can purchase Short Term Learner Driver Insurance or Annual Learner Driver Insurance. We also offer all of the major types of cover and also a range of optional extras. A Collingwood Learner Driver policy can also run alongside full insurance on somebody else’s car.

When I pass my practical driving test, what will happen to my Learner Driver policy?

A Collingwood Learner Driver Insurance policy must be cancelled when you pass your practical driving test. Upon cancellation of your Learner Driver Insurance Policy we may be able to offer you a quote as a New Driver.

Where can I find out more about getting ready to pass my test and getting Learner Driver Insurance?

That’s the easy part! Simply visit our Learner Driver Insurance to get started.

Conclusion

Embarking on your driving journey is a thrilling experience, but ensuring you have the right learner driver insurance is essential for safe and legal practice. From obtaining a learner insurance quote to understanding the various types of coverage, being well-informed can save you time, money, and stress. Collingwood Learner Driver Insurance offers comprehensive solutions tailored to meet the needs of learners, ensuring you can focus on gaining confidence behind the wheel.

*Correct at the time of publishing.