Do I need insurance for learning to drive?
Yes, if you’re learning to drive outside of lessons with a driving instructor, you’ll need to be properly insured. For private practice in your own car, or in a friend or family member’s car, Collingwood learner driver insurance gives you the cover you need without putting their No Claims Bonus at risk.*
Our learning to drive insurance policies are designed to:
- Provide cover while you hold a provisional licence
- Protect the vehicle owner’s No Claims Bonus*
- Get extra practice alongside your formal driving lessons
With our short-term or annual learning to drive insurance, you can gain driving confidence, improve your skills, and be better prepared for your practical driving test.
Annual Learner Driver Insurance
- 2 x Additional Drivers**
- Earn a No Claims Bonus*
- Pay monthly or annually
*Terms, conditions and underwriting criteria apply.
**Correct as of 25/06/2025 based on lowest price and prices can start from this price.
Short-term Learner Insurance
- Cover starting from 28 days
- 7 day top-ups
- From as little as 73p/day**
What do you need to apply for an insurance quote with Collingwood?
So that we can provide an accurate quote, there’s a few things you will need to provide, including:
-
- Your valid UK provisional driving licence number
- Vehicle details – a registration number is required to purchase the policy
- A bit about you – the usual stuff, name, date of birth and address
- Information about your employment or education status
- Details of any additional drivers you wish to add to the policy
- What cover you would like – duration, cover level and any add-ons
Perks with Collingwood
What are the benefits of private practice with learner insurance?
More time behind the wheel
The DVSA recommends learner drivers gain experience in a wide range of conditions, from country roads to night-time driving. Private practice lets you cover more ground outside of lessons.
No limit on practice
Our policies have no black box, curfews, or usage limits. This means you can practise whenever it suits you and your supervising driver, evenings, weekends, or during the holidays.
Protect the car owner’s No Claims Bonus
If you are using someone else’s car, the vehicle owner’s policy and No Claims Bonus remains unaffected if you have an accident* as the learner policy will be in place when you are behind the wheel.
*Terms, conditions and underwriting criteria apply.
Choose the policy that suits you
Whether you’re starting early or preparing for your test, you can choose a short-term or annual policy that suits your needs.
More time behind the wheel
The DVSA recommends learner drivers gain experience in a wide range of conditions, from country roads to night-time driving. Private practice lets you cover more ground outside of lessons.
No limit on practice
Our policies have no black box, curfews, or usage limits. This means you can practise whenever it suits you and your supervising driver, evenings, weekends, or during the holidays.
Protect the car owner’s No Claims Bonus
If you are using someone else’s car, the vehicle owner’s policy and No Claims Bonus remains unaffected if you have an accident* as the learner policy will be in place when you are behind the wheel.
*Terms, conditions and underwriting criteria apply.
Choose the policy that suits you
Whether you’re starting early or preparing for your test, you can choose a short-term or annual policy that suits your needs.
FAQs
Commonly asked questions about car insurance for learning to drive
No, if you’re learning to drive with a qualified instructor, their vehicle is already insured. You only need insurance for learning to drive if you’re practising in a private car with a supervising driver.
This policy is designed for private practice, but it can also allow your driving instructor to teach you in your own car, or someone else’s, if you both prefer. Most instructors will normally provide cover for lessons in their own vehicle. Combining private practice and professional tuition can be a great way to reinforce your learning and build confidence behind the wheel.
Learner insurance can be taken out on a wide range of cars that are suitable for driving practice, as long as you have permission to use the vehicle. Certain sized, high-value or performance cars are excluded.
Yes, provisional licence insurance, learning to drive insurance, and learner driver insurance are terms often used interchangeably. They all refer to cover for drivers with a provisional licence practising privately.
You can choose the length of cover that suits you. Our short-term learn to drive insurance starts from 28 days, or you can go for an annual policy for ongoing practice.