Some learner drivers are in a position to buy their own car, or perhaps to have a car bought for them, before they pass their driving test - but that's just the start of their car owning expenses!
Car insurance is something non of us look forward to getting quotes for, and looking into car insurance for a learner driver can be seriously scary - with quotes often coming back in the thousands rather than in hundreds ....
Traditional car insurance companies might not be the best option when looking to insure a learner driver on their own car.
The specialist car insurance companies below may not be so well known - but you may find they are better suited to the needs of your learner.
See below for 2 big differences in these type of policies that you need to look out for - plus discounts including £50 off or a £20 avaCARgo voucher when you take out an annual policy using one of our unique codes!
Learner Driver ONLY insurance policies
With these specialist car insurance policies for learner drivers ONLY, you can choose the length of the policy to suit you - running for a year, months, weeks, days, or even hours which could be useful if they are only driving occasionally, BUT it will end the moment the learner driver passes their driving test.
That means the day they pass their driving test they won't be insured to drive home from the driving test centre, and they will need to get quotes and take out a policy as a new driver before they can continue driving.
Pros:
- lots of flexibility re: the length of the policy
- the learner can start to build their own No Claims Bonus (NCB) entitlement.
Cons:
- the policy will end as soon as the learner is told they have passed their driving test and a new policy will be needed before the learner can continue driving
- not all insurance companies offer specialist policies for learner drivers - see below for some that do.
Learner AND New Driver insurance policies
With these specialist annual insurance policies for learner drivers - the policy will last for the whole year as it will continue even if the learner passes their driving test during the period covered by the insurance policy.
That is an amazing benefit!
Car insurance for learner drivers is often cheaper then for new drivers - learner drivers have to be supervised while driving and so are generally seen as less of a risk to insure, as soon as the learner driver passes their driving test they can drive unsupervised and so are generally seen as a higher risk to insure.
It's potentially possible to take out an annual car insurance policy as a learner driver immediately before taking a driving test, pass the driving test that day, and then drive for a year before needing to take out a new policy as a 'full licence holder' - at which point if they haven't made any insurance claims they could also have 1 year NCB (no claims bonus) to use for their new policy.
Pros:
- potential savings as the quote will be based on being a supervised learner driver rather than a unsupervised new driver
- no need for a new policy when the learner driver passes their driving test
- the learner can start to build their own NCB (no claims bonus) entitlement.
Cons:
- not all insurance companies offer specialist policies for learner drivers - see below for some that do.
Car insurance companies which offer insurance for a car OWNED by a LEARNER DRIVER
Adrian Flux - learner driver insurance policy
- learner driver insurance: cover BEFORE and DURING the driving test ONLY
- short term policy: lasting a few days, weeks or months OR
- annual policy: start to build own NCB (no claims bonus) entitlement from day 1
- Smart Box technology: drive well and save up to 60% at renewal (equivalent to 9 years NCB)
- £20 avaCARgo voucher: code i1012 (use at start of the call)
- annual policy only: contact avaCARgo to claim your voucher - voucher issued once annual policy confirmed by Adrian Flux
- call for a quote: 0800 369 8590
MyFirst - hybrid car insurance policy
- hybrid insurance: cover BEFORE, DURING and AFTER passing the driving test
- annual policy: start to build own NCB (no claims bonus) entitlement from day 1
- £50 discount: code 834168 - use at start of the call: 0333 305 5116 or on the online form
Summary
Specialist insurers and policies might be better than traditional insurers for learner drivers who have their own car - to help them get a policy that works for them in both the shorter and longer term, that doesn't cost more than it needs to!
Policies will vary from company to company e.g. some insurers may specify a minimum age for the supervising driver or a maximum age for the learner - so make sure you compare the relevant details and are clear it provides the cover needed before deciding which quote to accept.
Learner Driver Insurance - an introduction
Learner Driver Insurance - driving a car owned by a family member or friend
*summary of car insurance cover details taken from the business websites - last checked / updated: September 2024
*following links may / may not generate an 'introduction fee' to be credited to avaCARgo - this will not affect any insurance quotes you receive