What is Provisional Licence Insurance?
Provisional insurance is a type of insurance designed specifically for drivers who hold a UK provisional licence. It’s a standalone policy that allows you to practise driving with a supervising driver in you own or someone else’s car, without affecting their existing insurance.
You can take out provisional licence car insurance for:
- Your own car – gain experience and start building your own No Claims Bonus.*
- A parent or family member’s car – get extra practice without risking their No Claims Bonus.*
- Short-term cover – perfect for intensive learning, test preparation or driving test cover.
- Annual cover – ideal if you’re learning over a longer period.
*Terms conditions and underwriting criteria apply.
How to get car insurance as a provisional licence holder
Getting car insurance for a provisional licence with Collingwood is quick and easy. You can get a provisional licence insurance quote online in minutes — here’s what you’ll need to provide:
- Your provisional driving licence number – a valid UK provisional licence is required
- Vehicle information – including the registration number
- Personal details – your name, date of birth, and address
- Your occupation or education information
- Details of any additional drivers you’d like to include
- Your cover preferences – including cover length, level of protection and any add-ons
Once you’ve entered your details, you’ll receive an instant quote and can choose the length of cover that suits you, from 2 days to 12 months. You can buy online and start practising today.
Get a quotePerks with Collingwood
Who can supervise a learner driver with a provisional licence?
When driving with provisional licence insurance, you must always be accompanied by a supervising driver who meets DVSA requirements. They must:
- Be at least 21 years old
- Hold a full UK or EU driving licence for the same vehicle type (manual or automatic)
- Have held their licence for at least 3 years
The supervising driver must always be in the front passenger seat while you are driving.
See the full list of supervising driver rules on on gov.uk
FAQs
Commonly asked questions about provisional licence insurance
Yes. If you’re driving a car for private practice, you must have valid provisional insurance in place, even if you’re with a supervising driver.
Costs vary based on factors like the car, your location and the length of cover you choose. Collingwood policies can start from as little as 43p/day.*
Yes. If you insure your own car under a provisional licence car insurance policy, you can start working towards your No Claims Bonus before passing your test.*
*With 10 months of uninterrupted, claim free cover. Terms, conditions and underwriting criteria apply.
Yes, as long as your policy is active and your car meets DVSA test requirements, you can use it for your driving test. Your supervising driver must drive you home afterwards whether you pass or fail your driving test.
Yes. Provisional insurance can be taken out on a parent’s, guardian’s, or friend’s car, as long as you have their permission and you practice with a qualifying supervising driver.