Learner Driver Insurance

Learner driver insurance helps you get extra driving practice in your own car, or in a friend or family member's car, completely legally, without risking their No Claims Bonus.

Collingwood offers competitive learner driver insurance for UK provisional licence drivers, available from 28 days up to 12 months. Choose your level of cover below, receive your quote in minutes, then get behind the wheel and start driving!

Short Term Cover

 

 

 

What is provisional learner driver insurance?

Learner driver insurance (also known as provisional driver insurance) is a type of cover specially designed for people learning to drive. It gives you more opportunity to learn to drive in a family member or friend’s car, so you can reduce driving lesson costs while preserving the car owner’s No Claims Bonus*. This can be affected if they add you to their insurance and you have an accident.

You can also get learner insurance for your own car, and with it you’ll have the opportunity to start earning your own accelerated No Claims Bonus*. Provisional insurance helps ensure you’re driving in line with DVSA (Driver and Vehicle Standards Agency) learner driver regulations.

Check out our Ultimate Learner Driver Insurance Guide to learn more about provisional insurance, or get in touch with our friendly team if you have any questions.

How does learner driver insurance work?

Number 1

First, consider if you would like learner driver insurance for a 12 month period, known as Annual Cover, or for a shorter amount of time. Our Short Term Learner Driver Insurance starts from just 28 days.
Number 2

Next, fill in a short form to get the best learner driver insurance quote possible: your name, provisional driving licence number, UK address, date of birth and vehicle information (including the registered keeper’s details)
Number 3

With just those few details, we can provide you with a cheap provisional insurance quote in minutes - our competitive cover starts from 64p per day**



Number 4

Finally, purchase your learner driver insurance via credit or debit card. Within minutes, you'll be good to drive - perfect if you want to get extra driving practice to help you pass your test with flying colours!

What are the benefits of learner’s insurance on your own car?

Get much-needed driving experience

The DVSA advises learners to get more experience, such as driving on country roads, independently, and in the dark. Learner driver insurance means you can get this crucial know-how.


Flexible provisional insurance for every learner

Our learner driver insurance matches how you learn to drive. You can go annual, or if you only need short-term cover right before you pass, you can get that too - topping up your cover or leaving short gaps.

No curfews when you're learning to drive

We don't place any curfews on the times you can practice learning to drive, so you can get the most from your new learner driver insurance at any time - like in the evening, when the roads are quieter.


Accelerated No Claims Bonus for learner drivers

If covering your own car with learner's insurance, you can get an accelerated No Claims Bonus. This means you can start reducing your long term insurance costs immediately.


Get immediate new driver insurance

Once you pass your driving test, we may be able to offer you a competitive New Driver Insurance quote immediately - a simple, stress free approach to cover that makes sure you're driving safely and legally.

Get a learner’s insurance quote today

male learner driver smiling looking ahead
Annual learner driver insurance
Our annual learner's insurance starts from as little as 64p per day**. It's perfect if you're a brand-new learner starting to drive, and because the policy will be in your own name, you can earn your own accelerated No Claims Bonus* too.
Young female learner driver in blue car with sun shining
Short-term learner driver insurance
Short-term learner's insurance is available from 28 days to 24 weeks with the ability to top up from just 7 days. Our short-term young learner driver insurance policies are flexible - you can have gaps in your cover and top up when required.

What are the benefits of insurance for learner drivers on parents’ cars?

A SAFE NO CLAIMS BONUS
With learner driver insurance, you can insure your child to drive your car with zero risks to your No Claims Bonus.



REDUCED LESSON COSTS
Private practice is an excellent way of reducing the cost of learning to drive whilst increasing the experience and confidence of the learner driver.


FLEXIBLE TRAINING
You can provide your child with a more flexible, or additional, option when they are learning to drive; they don't have to always work around a driving instructor's schedule.

What do our customers say about Collingwood learner driver insurance?

As a provisional licence holder, why do I need learner driver insurance?

You would like to learn to drive in your own car with a driving instructor, or you would like to learn to drive in a friend or family member's car.

You want to train with a friend or family member so you can get plenty of helpful advice and tips - and be able to log your practice and show it to your instructor.

You want to practice driving outside of your lessons in a car that you do not own, on a variety of roads, in various conditions, at different times of the day.

Who can teach me to learn to drive who isn’t my instructor?

Your supervising driver must be at least 21 years old.



The driver must hold a full UK or EU driving licence for a minimum of three years.


They must be qualified to drive the type of vehicle you are driving (e.g. a manual car licence if you are driving a manual car).

Your supervising driver must sit in the front passenger seat of the vehicle.


Why choose Collingwood for your learner driver insurance?

Highly rated

We truly care about customer service. It's why we are rated 'Excellent' on Trustpilot with over 7,000 positive reviews, and offer an app to help you simply manage your cover!
Award-winning insurance

We are an award winning and customer-focused insurance broker, recognised as a provider of competitive learner driver insurance.

Great value learner driver insurance
Learning to drive can be expensive, so we pride ourselves on affordability. Collingwood Annual Learner Driver Insurance can start from as little as 64p per day**.
Instant Cover

Complete a quick form and get a provisional insurance quote today. Your learner driver insurance cover will start as soon as you've purchased a plan.

Flexible learner insurance

Collingwood Learner Driver Insurance is available on a short term or annual basis. You can also pay for your insurance monthly or annually

Learner driver insurance FAQs

Get answers to all your crucial learner driver insurance questions below. We also have a more detailed FAQs section available and you can head to our blog In The Driver’s Seat for the latest provisional driver news, hints and tips.

Do learner drivers need insurance?

If you drive your own car or a family member or friend’s vehicle while you have a provisional licence, before you pass your test, you need to get insurance. You can either get added to the car owner’s insurance, or get dedicated learner driver’s insurance, which preserves the owner’s No Claims Bonus.

How much is learner driver insurance?

While our provisional insurance quotes differ depending on a range of factors, including the type and age of the vehicle and age of the learner, our cheap insurance rates start from as little as 64p per day, making them affordable for learners on a wide range of budgets.

Do I need insurance to supervise a learner driver?

If you want to supervise a learner driver, both of you must be insured if you are driving your car. If the learner owns their own car, then they must be covered, but you must be over 21, qualified to drive the car, and have a full licence for three years in the UK, EU, Switzerland, Liechtenstein or Iceland – you do not need to be insured on their car however.

Can I add a learner driver to my insurance?

In most cases, you can, though it depends on the specifics of your insurance policy. However, by not choosing owner learner driver insurance, you can risk your No Claims Bonus – such as if the learner bumps another car or otherwise damages your car. That’s why learner insurance is often a better option than simply adding a driver.

As a vehicle owner, do I need to have my own insurance policy on the vehicle that the learner driver is insuring?

Yes. As the registered owner or keeper of the vehicle, you must have the vehicle insured in your own name for the duration of the Collingwood Learner Driver insurance policy. A “driving other cars" extension does not qualify as adequate vehicle insurance.

As the vehicle owner, must I supervise the Provisional Driving License Holder if they are driving my car?

Not necessarily, no. The learner driver must be accompanied by a person over the age of 21, who has held (and still holds) a valid full UK driving licence in the same category as the vehicle they are driving, for at least 3 years – it doesn’t just have to be the vehicle owner.

What if I drive without learner driver insurance?

If you don’t have specialised UK learner insurance or haven’t been added to the insurance of the owner of the car you are driving, you could get an unlimited fine, up to eight penalty points on yuor licence, and be banned from driving. It’s illegal to drive without valid insurance in the UK.

Is learner driver insurance the same as dual insurance?

Dual insurance is a situation where a car has the exact same cover across multiple insurance policies – such as if a car were to be insured for two people across two main policies instead of a main policyholder simply adding a named driver. Learner insurance differs from this in that it is a different type of cover. That means it still offers value for money.

Can I get learner's insurance if I'm 17 years old?

Yes, you can. All Collingwood’s learner driver insurance policies can be used by or cover 17-year-old drivers.

What is the excess on learner driver insurance?

It can differ. Your specific insurance schedule will detail how much your excess is. For more information, chat to us via LiveChat below.

Do you need L plates for provisional insurance?

Yes, you do. Your car, or the car you are named on, should be fitted with front and rear L plates – or D plates if you are in Wales.

Can ANPR detect provisional insurance?

Automatic Number Plate Recognition (ANPR) is used to detect whether a car is insured, taxed, and has a valid MOT, but it cannot detect who is driving the car and the level of insurance that driver has.

However, if a car is found to have been driven by someone with the incorrect insurance or no insurance at all, you could be fined a fixed £300 penalty and be given six penalty points, receive an unlimited fine, or even be disqualified from driving indefinitely.

Is learner driver insurance different to provisional insurance?

Learner driver insurance and provisional licence insurance are the same thing. They each cover a learner driver while they practice driving with a friend or family member, in their own car, or the other person’s car.

Can more than one learner driver be on the same policy?

Each learner driver is required to hold their own insurance policy. However, more than one learner driver can drive the same car.

Can I take my driving test in my own car?

Yes. You will need to take your learner insurance policy documents with you and ensure the car meets certain requirements set by the government. We’ve provided a summary below, but we advise that you read the full list of requirements on the government website.

  • The car must be taxed.
  • The car must be in a roadworthy condition.
  • If the car is over three years old, it must have a current MOT.
  • There must not be any warning lights lit up, for example the airbag warning light.

Can I earn a No Claims Discount while I learn to drive?

While you will not earn a traditional No Claims Discount, following the termination of your learner driver insurance policy and having completed at least 10 consecutive month of claim-free driving, we will provide a letter on a single occasion confirming an entitlement to one year’s worth of No Claims Discount for presentation to a new insurer.

Can I purchase Collingwood Learner Driver Insurance on more than one vehicle?

You can cover more than one vehicle, providing you purchase a separate policy for each vehicle. Log in to your existing online account and click ‘Existing Customer New Quote’ to begin the process.

I haven't found a driving instructor yet, can Collingwood help with that?

While we can’t specifically recommend a driving instructor to suit your requirements, we do have our handy Find and Instructor tool. All you need to do is enter your postcode and our helpful tool will locate driving instructors that are close to you.

Get in touch about your learner’s insurance quote today

Our team are always on hand to answer your questions and help you get a provisional insurance quote that gives you all the cover you need while suiting your budget. Contact us today or chat to us live via the bottom right message icon.

*Subject to terms and conditions and underwriting criteria.
**64p per day is based on an Annual Learner Driver policy and prices can start from this price.