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!
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.
How does learner driver insurance work?
What are the benefits of learner’s insurance on your own car?
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.
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.
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 a learner’s insurance quote today
What are the benefits of insurance for learner drivers on parents’ cars?
What do our customers say about Collingwood learner driver insurance?
As a provisional licence holder, why do I need learner driver insurance?
Who can teach me to learn to drive who isn’t my instructor?
Why choose Collingwood for your learner driver insurance?
We are an award winning and customer-focused insurance broker, recognised as a provider of competitive learner driver insurance.
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.
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.
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.
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 70p* per day, making them affordable for learners on a wide range of budgets.
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.
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.
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 your licence, and be banned from driving. It’s illegal to drive without valid insurance in the UK.
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.
Yes, you can. All Collingwood’s learner driver insurance policies can be used by or cover 17-year-old drivers.
It can differ. Your specific insurance schedule will detail how much your excess is. For more information, chat to us via LiveChat below.
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.
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.
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.
Each learner driver is required to hold their own insurance policy. However, more than one learner driver can drive the same 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.
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. It’s worth noting that these are not done automatically and must be requested.
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 ‘New Quote’ to begin the process.
While we can’t specifically recommend a driving instructor to suit your requirements, we do have our handy Find an 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.
**70p per day is based on an Annual Learner Driver policy and prices can start from this price.