How does learner driver insurance on a parent’s car work?
Collingwood learner driver insurance on a parent’s car means you’ll have your own standalone policy that runs alongside their existing cover. This means the vehicle owner’s insurance stays unaffected, and their No Claims Bonus is protected if you have an accident.*
So that we can provide an accurate quote, there’s a few things you will need to provide, including:
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- 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
*Terms, conditions and underwriting criteria apply.
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 are the benefits of learner driver insurance on a parent’s car?
Protect their No Claims Bonus
Learner driver insurance is a separate policy. This means if the learner driver makes a claim, it won’t affect the vehicle owners No Claims Bonus*.
*Terms, conditions and underwriting criteria apply.
Save money learning to drive
Private practice in your parent’s, guardian’s or someone else’s car may reduce the number of driving lessons you need which may help save you money.
Practice in a familiar car
Practising in a parent’s or guardian’s vehicle means you’re learning in a comfortable and consistent environment.
Short-term and annual cover
Whether you’re preparing for your driving test or just getting started, you can choose the type of learner insurance that fits your learning schedule.
Protect their No Claims Bonus
Learner driver insurance is a separate policy. This means if the learner driver makes a claim, it won’t affect the vehicle owners No Claims Bonus*.
*Terms, conditions and underwriting criteria apply.
Save money learning to drive
Private practice in your parent’s, guardian’s or someone else’s car may reduce the number of driving lessons you need which may help save you money.
Practice in a familiar car
Practising in a parent’s or guardian’s vehicle means you’re learning in a comfortable and consistent environment.
Short-term and annual cover
Whether you’re preparing for your driving test or just getting started, you can choose the type of learner insurance that fits your learning schedule.
Perks with Collingwood
Who can supervise me when I practise in a parent’s car?
It’s mandatory that you always have a supervising driver and while this does not need to be a parent or guardian, they must:
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- Be at least 21 years old
- Be qualified to drive the vehicle you’re practising in (manual or automatic)
- Have held a full UK or EU licence for at least 3 years
It doesn’t always have to be the car owner that supervises the learner, but they must meet the above criteria. Supervision is a legal requirement during every practise session as a learner driver.
See the full list of supervising driver rules on on gov.uk
FAQs
Commonly asked questions about provisional insurance in your parent’s or guardian’s car
Yes, as long as you have a provisional licence, permission to use the vehicle with the car being insured by the registered owner and keeper, and a qualified supervising driver, you can take out learner driver insurance on your parents’ car.
No. Because Collingwood policies are separate from the vehicle owner’s insurance, their No Claims Bonus won’t be affected if the learner has an accident and needs to make a claim.
Yes. We offer both temporary learner driver insurance on a parent’s car (starting from 28 days) and annual learner policies, so you can choose the option that suits your needs.
If you pass your driving test, your learner insurance will no longer be valid. Make sure to contact us to cancel your learner policy once you pass.
Yes. Our policies have no black box or curfew restrictions, so you can practise whenever you and your supervising driver are available.