Car Insurance for Learner Drivers

So you’ve just got your provisional licence and you’re ready to learn how to drive? By driving with an approved driving instructor or driving school you are covered in result of an accident.

Learner drivers who hold a provisional licence may be lucky enough to have a parent or family member willing to give them private lessons. If this is the case, then you are one of the select few who have the chance to actually do this. If someone offers their car for a provisional licence holder to drive in, the learner must really mean somthing to them. To supervise a learner driver, you must be over the age of 21 with a clean driving history of 3 years. In addition to this the leaner driver will also need to take out insurance to cover them for the car. It’s best to learn in a car with a small engine as it is found that the quote for insurance can be up to £800 less. Cars such as Toyota Aygo, Fiat Punto, Renault Clio, Ford Ka, Vauxhall Corsa or similar small engine cars are ideal for learners to drive in.

There are two different types of insurance for learner drivers; the first is to take out a new policy solely in their name. So if a learner was to make an accident, the claim would be their responsibility and they could be liable to pay for it. The owner and driver of the vehicle would not need to claim on their insurance which could then make them lose their no claims and also increase insurance premiums.

The second type of policy is to be added on the owner/driver of the vehicles existing policy. Many people do not like this option as adults who have driven for some time may benefit greatly from their good driving history and no claims bonus. This is the preferred option for getting insurance on an existing policy so the learner would be a named driver.

Learner driver insurers can insure you annually, monthly and even weekly. The best way to insure a learner driver for driving a vehicle for private tuition is monthly or weekly. It is cheaper and you don’t know when you are likely to pass your test. If you enter into an annual contract you may be forced to pay for cover when you no longer need it.