What is Learner Driver Insurance on Your Own Car?
Learner driver insurance on your own car is a flexible policy that lets you practise driving in your own vehicle before passing your test. It gives you the protection you need while learning, helping you build confidence and experience in a car you own.
With Collingwood learner driver insurance, you get cover that suits you, from short-term to annual. Plus, you can also earn an Accelerated No Claims Bonus after 10 months of uninterrupted, claim-free driving.*
It gives you the freedom to learn at your own pace, in your own car, with the added peace of mind that you’re fully insured while practising.
*Terms, conditions and underwriting criteria apply.
What are the benefits of learner driver insurance on your own car?
Learn and take your test in your own car
Learning and taking your test in the car you own helps you feel more confident and in control. You’ll already know the car’s controls, layout, and handling — making it easier to perform at your best on test day and beyond.
Earn your own No Claims Bonus
With learner driver insurance on your own car, you can start earning a No Claims Bonus before you’ve passed your test with 10 months uninterrupted, claim free driving.*
*Terms, conditions and underwriting criteria apply.
Practice at your own pace
With no black box or curfews, learner driver insurance allows you to practice in your own car whenever it suits you. Day or night, weekday or weekend, as long as you have a supervising driver who meets DVSA criteria.
Cover that suits you
Whether you need cover for a few weeks before your test or ongoing practice over 12 months, our short-term and annual learner policies can suit your schedule.
Learn and take your test in your own car
Learning and taking your test in the car you own helps you feel more confident and in control. You’ll already know the car’s controls, layout, and handling — making it easier to perform at your best on test day and beyond.
Earn your own No Claims Bonus
With learner driver insurance on your own car, you can start earning a No Claims Bonus before you’ve passed your test with 10 months uninterrupted, claim free driving.*
*Terms, conditions and underwriting criteria apply.
Practice at your own pace
With no black box or curfews, learner driver insurance allows you to practice in your own car whenever it suits you. Day or night, weekday or weekend, as long as you have a supervising driver who meets DVSA criteria.
Cover that suits you
Whether you need cover for a few weeks before your test or ongoing practice over 12 months, our short-term and annual learner policies can suit your schedule.
Perks with Collingwood
Who can supervise a learner driver in their own car?
While practising in your own car with learner driver insurance, you must always be accompanied by a supervising driver.
To comply with DVSA rules, the accompanying driver must:
- Be at least 21 years old
- Hold a full UK or EU driving licence for the transmission type your are driving (manual or automatic)
- Have held their licence for at least 3 years
They don’t need to own the car, but they must always sit in the front passenger seat whilst you practice driving.
See the full list of supervising driver rules on on gov.uk
How do I set up learner driver insurance on my own car?
Setting up learner driver insurance on your own car with Collingwood is quick and hassle-free.
Choose annual or short-term cover, get an instant quote, and start practising in your own car today.
You’ll need to:
- Hold a valid UK provisional driving licence
- Own the car you want to practise in*
- Have a supervising driver who meets DVSA criteria
*You must be the registered owner and keeper.
We’ll ask for:
- Your name, date of birth and address
- Your occupation or education information
- Your driving licence number
- Your car’s make, model and registration number
FAQs
Commonly asked questions about learner driver insurance on your own car
Yes, you can. Just make sure your car meets DVSA test requirements, you have learner driver insurance and bring your insurance documents with you. After the test, your supervising driver must drive you home, regardless if you pass or fail.
No. You don’t have to own the car yourself. Learner driver insurance can cover you to practise in a parent’s, guardian’s or friend’s car, as long as you have their permission, the correct supervision and the vehicle meets the policy criteria.
Yes, with Collingwood you can start earning your own No Claims Bonus with 10 months of uninterrupted claim free cover.*
*Subject to terms and underwriting criteria.
Yes. To use your own car for learner driver practice, it must be legally roadworthy. This means taxed, insured, and have a valid MOT certificate if over three years old.
Yes, as long as you have a valid provisional licence insurance policy and a supervising driver, you can practise in your own car without a driving instructor. This can help you gain extra experience alongside your lessons.