Annual Learner Driver Insurance

Learn to Drive in your own or someone else's car

Not Sure if You Need 12 Months Cover

We'll give you a pro-rata refund for the remaining cover & no cancellation charge.

Learn to Drive In Your Own Car

Insure your own car and start earning accelerated no-claims bonus.

Collingwood Annual Learners Insurance


Insuring Your Own Car?

If you own a car as a Provisional Licence Holder, getting insurance isn’t as difficult as you might think!
With Collingwood, we let you choose from various policy types and levels of cover and you can have your parent or spouse as a named driver for free. Start building your first years no-claims bonus!

Drive Someone Else's Car?

This policy is designed to sit alongside the existing policy of the car you’re learning to drive in and could save you money. The benefit of having your own Learner driver policy is that any claim for an accident you’re involved in would be made on your own policy and would not affect the No-Claim Bonus of the car Owner.


Collingwood offers Learner Driver Insurance policies to suit your needs.
Whether you're insuring your own car or someone else’s, you have access to the following:

Flexible Payments

Pay Annually or in Monthly Instalments.

Accelerated No-Claims

Build your no-claim Bonus before you start to drive on your own. Subject to 10 months uninterrupted, claim free cover.

Easy to Cancel

Passed your test? Let us know, and we’ll give you a refund on the remaining cover, with no Cancellation Charges.

Choose Your Cover

Unlike other providers we let you choose from Fully Comprehensive, Third Party Fire and Theft or Third Party Only cover types.

Why Choose Us

Collingwood has been a Learner Driver Insurance specialist since 2008, and we pride ourselves in offering a straightforward, uncomplicated product designed to help you get that all-important extra driving experience.
You have the flexibility to choose a cover that suits you and the option to insure your own, a friend or family member’s vehicle. We offer cover until you have passed your practical driving test and make it easy for you to cancel your policy from your personal online account.

Highly rated car insurance

Not Many are so Highly Rated

We are rated 9.8 out of 10 on Trustpilot, which makes us one of the highest rated car insurance providers. Our teams don’t work to sales targets, instead, they are rewarded for delivering excellent customer service and quality and it shows.

Award Winning Insurance

Award Winning Insurance

Collingwood won the 2018 Award for Best Specialist Insurance Provider and the DIA (Driving Instructors Association) award for Best Young/Learner Driver Insurance Provider, three years running.

Supporting Driver Development

Supporting Driver Development

We work with leading organisations such as the DIA (Driving Instructor Association)   and MSA (The Motor Sports Association). We ’ve also supported the “Big Learner Relay” for Children in Need, for the past five years.

Extra benefits and Add-ons

As well as the above benefits you also have access to the following, depending on the level of cover and availability*.
Plus the option to add on some great extras.

Happy Customers

We have thousands of happy customers, check out what just a few have to say about our Learner Driver Insurance, the benefits of getting more private practice,
saving money and just how friendly our team are.

Learner Driver Cover Comparison

With Collingwood Annual Learner Driver Insurance you can choose from three different levels of cover.
Third Party only, Third Party Fire and Theft and Comprehensive. Each comes with additional levels of cover to suit your needs and budget.

  • Windscreen Cover*
  • Courtesy Car*
  • Own Vehicle Covered
  • Reduced Excess
  • Free Additional Driver

Third Party

  • No
  • No
  • No
  • Yes
  • Yes Parent/Spouse

Third Party
Fire and Theft

  • No
  • No
  • Partial
  • Yes
  • Yes Parent/Spouse

Prices and cover levels are dependent on age and location. *Courtesy car subject to availability, terms and conditions apply.

Any Questions?

There are a few questions that keep popping up, so we've put together a list and the answers to go with them.

What is Learner Driver Insurance

Insure Your Own Car

When you own a car and hold a current UK Provisional Driving Licence, Collingwood offers Short-Term and Annual Learner Driver insurance. Which means your car is insured to the chosen level of cover as long as the policy is in place. Plus with Annual cover, you can add a Parent or Spouse to drive your car free of charge, on a Social Domestic & Pleasure basis and the policy provides windscreen cover, accidental damage repair & theft cover (depending on the level of cover chosen).

Insure Someone Else’s Car

This policy is designed to sit alongside the existing policy of the car your learning to drive in.

The benefit of having your own Learner driver policy is that any claim for an accident you’re involved in would be made on your own policy and would not affect the No Claim Bonus of the car Owner.

Who can supervise me when I drive?

Any driver over 21yrs who has held a current and valid Full UK/EU Driving licence for at least three years. They are not required to be the car owner, but you will need the owner’s permission to insure and drive the vehicle.

Can I get cover instantly?

Yes. Just click ‘Get a Quote’ and once you’ve completed the process you can quote up to 28 days ahead, or the cover can start instantly.

Does this count as dual insurance?

Dual insurance can occur when the same car is insured for the same level of cover, for the same driver with two separate insurers.  Collingwood Learners insurance provides particular cover for the learner whilst taking tuition in someone else’s car.

What happens when I pass my driving test?

Tell us as soon as you pass your practical test. As you are no longer classed as a Learner Driver, your supervisor would be afforded the cover to take the car home from the test centre. We will be happy to refund any unused days of cover, which usually takes around 3-5 days to credit your account.

We also ask that if you should fail your test, you ask your supervisor to drive the car home. Remember it’s not as bad as it seems at the time and you can always sit your test again.

Can I use the car for my test?

Yes, cover is in place to sit your Practical Driving Test whilst accompanied by a suitable supervisor driver or Instructor.  If you pass your test, your Supervisor/Instructor will be required to drive the car home from the test centre.  No stopping for Champagne on the way!

Ready to Get a Quote?

You can get a quote that will remain valid for up to 28 days and you can even purchase a policy in advance
to go live on your 17th birthday.