Car Insurance for Provisional Licence Drivers
How to get cheaper car insurance for provisional licence holders.
By Kevin Pratt on Friday 13 July 2018
If you hold a provisional licence and want to drive, you’re likely to face higher car insurance costs. But there are ways to drive those costs down.
In this Article
Learning to drive can be daunting because it’s often expensive, so any additional costs like the hefty insurance premium for provisional licence holders can make it too much of a financial burden for some.
How to get car insurance for provisional drivers
There are a few different ways to get car insurance for provisional drivers, depending on how you decide to learn to drive. Your options, as a learner driver, are:
- Stick to driving lessons: This is the cheapest option, because the price is included in the lesson, but it means you won’t be able to practice driving so it may take longer to pass your test – and the cost of lessons will add up.
- Temporary or short-term cover: You can buy a specialist, short-term policy which allows you to drive your own car or somebody else’s car as long as you are accompanied by a full-licence holder. You should choose one which lasts for three to six months, because that is the average amount of time it takes to pass the driving test, according to the DVSA. The average price for this type of cover is around £80 per month.
- Full annual car insurance: You could buy a full annual policy on your provisional licence and then either cancel it (you could be charged a cancellation fee of around £150) or update it once you have passed your test. However, if you are between 18 and 24, may increase your premiums – but there are ways to cut the cost of insurance for young drivers.
- Become a named driver on someone else’s car: If your parents (or partner) want to help you learn to drive, then you could always become a named driver on their car insurance. You won’t be able to have your own car but it could be a much cheaper way than having your own insurance, temporary or otherwise. However, the main driver of the car (your parent or partner) could see their insurance premium increase considerably, and it will probably increase again when you pass your test, if you choose to stay on as a named driver.
Please note: It is illegal to put someone else as the main driver of a car insurance policy when they aren’t really the primary user of the car, and it’s known as ‘fronting’. It can be tempting to list a parent as the main driver of a car, when really a younger driver will use it, as it could drive down the cost of cover – but this is against the law. Being caught fronting can result in insurance companies refusing any claims, points on your licence, and more expensive insurance premiums in the future.
According to quotes on MoneySuperMarket between January 1 and April 30, 2018.
Buying a provisional insurance policy and then cancelling
As mentioned above, it may be cheaper to buy a provisional licence holder’s car insurance policy and to cancel it than to pay for temporary insurance, or ‘top up’ your annual insurance once you have passed.
While you will probably have to pay a cancellation or exit fee, it could be worth doing if you could get a cheaper deal from another provider when you pass your test. For example, if you paid upfront for an annual policy with Insurer A and they increase the cost when you pass, you may be better off paying the cancellation fee and taking out a cheaper policy with Insurer B.
Be careful about cancelling insurance when you pay monthly, too. Paying monthly is effectively a credit agreement – and your insurer will run a credit check before they approve this – and you could be forced to repay a whole year of premiums.
As always, check what the insurer’s policy is for cancellations before you commit to a policy.
This above figure was calculated using the DVSA recommended tuition hours (45 hours) and the average cost of lessons per hour (an average of £27 across four driving schools) in Greater London, plus both theory (£23) and practical (£62) driving tests. All data correct as of May 2018.
Use a driving school
If the cost of insurance is still out of your budget, it might work out a bit cheaper and more cost effective to just learn with a driving school. Here, the car insurance and fuel are included in the price of the lesson.
The price for driving schools vary, but it is around £24 per hour lesson, on average, according to the Driver and Vehicle Standards Agency (DVSA) in 2016. But you may find that it is slightly more than this in 2018, especially in London.
Prices checked May 2018, and are when purchasing 10-hour blocks of lessons in Greater London.
As you can probably guess, this can become expensive. The DVSA suggests having 47 plus hours of instructor-led learning – if you add up the price above, it comes to £1,080, but this price will vary significantly across the country.
The amount of lessons necessary to pass your driving test will depend on if your instructor thinks you are ready, and will differ between drivers as some will need more help than others.
However, it is recommended that you have around 22 hours of private lessons (practise with family or friends) in between. As it is illegal to drive without insurance, you may well have to buy a short term insurance policy anyway.
Only book your practical driving test when you are fully ready, because doing so before might mean you fail, and this can become expensive (each test will cost £63 during the day/£75 in the evening or at the weekend) and you may need to book more time in the instructor’s car (this will depend on your instructor and driving school).
Pick your car carefully
Choosing the right model of car can have a major bearing on the price of your premiums when buying provisional licence insurance.
Every car is assigned to a car insurance group numbered between one and 50 with cars in group 1 generally being the cheapest to insure, and those in group 50 being the most expensive. Most new drivers will pick a car in group 1 to 3, otherwise it is much more likely to pay over the odds for car insurance.
Find out which insurance group your car is in
Every car in the UK is allocated an insurance group to help insurers work out the cost of cover, running from 1 (cheapest premiums) to 50 (highest).
Key in your reg to find out where your car sits
Learner Driver Car Insurance
Compare car insurance for learner drivers
By Peter Carr on Friday 25 May 2018
Learning to drive can be exciting, but it can also be a challenge. Find out if you need to get some specialist learner driver insurance via MoneySuperMarket.
In this Article
Learner drivers: a guide to your car insurance options
Car insurance premiums for young people are usually sky high. The simple reason for this is that they are more likely to be involved in an accident or make a claim on their policy.
If you haven’t already passed your driving test, it is very important that you include the cost of both lessons and car insurance into your budget.
MoneySuperMarket data. Correct as of May 2018
Learner driver insurance rules
There are certain rules when it comes to learner driver insurance. For example, when you sign up for driving lessons with a professional driving school, you won’t need to worry about learner’s insurance as it is included in the price of the lessons, along with any fuel and tax.
However, the Driver and Vehicle Standards Agency (DVSA) recommends that new learners should also practice for about 22 hours privately, alongside the typical 45 hours of professional tuition thought necessary to pass a test.
If you practice in your own car, or the car of a friend or relative, learner driver insurance rules mean you will still need insurance. It is illegal for any driver to drive without insurance, and you could face a fine and penalty points on your licence before you’ve even got it!
If you take to the road in a family or friend’s car, they can add you to their insurance policy as a ‘named driver’. But they might get a nasty surprise when their premium goes up, as you are considered a big risk to the insurer.
The additional premium could be high – and any accident could jeopardise his no claims bonus. You might also be unable to build up your own no claims discount as a named driver.
What does learner driver insurance cover?
A number of firms offer car insurance for learner drivers, but what do they offer?
- Policies normally give you comprehensive cover to drive someone else’s car.
- The flexibility of learner driver insurance makes it easier for you to hone your driving skills when and where you choose.
- Anyone can take you out for a practice spin, as long as they are at least 25 years old and have held a full UK licence for at least three years.
- If you take out learner driver insurance, you might also earn a discount on a standard policy when you have passed your test and need full insurance, as long as you stick with the same firm.
Please note that MoneySuperMarket does not offer specialist learner driver cover, to find companies that do, you can search in the internet or contact an insurance broker.
You can find out other ways to save money on your car insurance by reading our money saving tips.
Comparing standard motor insurance quotes available through MoneySuperMarket could help ensure that you find the cheapest deal available to you given your current circumstances.
All MoneySuperMarket data is correct as of March 2018
Did you find this helpful? Why not share this article?
Learner Driver Insurance
Helping you pass your test
Cover for learning to drive
Want to get some extra driving practice in? Our learner driver cover from DayInsure can insure you to drive your own car, or a family member or friend’s car – for a few hours or a few months.
Pay as you go
Flexible cover from 2 hours to 5 months – so you only pay for what you need
New car replacement
If the car is stolen or extensively damaged within 12 months of purchase from new
If we can’t fix things at the roadside, we’ll get you to an approved repairer
Are you eligible?
To get Learner Driver Insurance, you, your car and your supervising driver must meet the following criteria.
As the driver, you must:
- Be a UK resident aged 17 or over
- Hold a provisional licence with no penalty points, motoring convictions or offences
Your supervising driver must:
- Be aged between 25 and 75 years old
- Have held a full UK driving licence for at least 3 years
The vehicle you’re driving must:
- Also be insured under a separate annual policy
- Be worth less than £30,000
- Have no more than 6 seats (including the driver’s seat)
What’s included with Learner Driver cover
- Flexible duration
Cover for any period between 2 hours and 5 months – and if you pass your test earlier than planned, we’ll refund any time you haven’t used
- Loss, theft or damage
Cover for up to £50,000 for the legal owner – and it won’t affect the owner’s insurance policy
- New car replacement
If the car is less than 12 months old and the repair cost is more than 60% of the list price
- Legal liability
Cover for up to £5 million if someone’s injured or their property’s damaged
- Emergency treatment
Cover for emergency medical expenses if you or your passengers are in an accident
What’s not covered
Unfortunately, we can’t cover everything. Make sure you’re comfortable with what’s not covered before you get started.
- Night-time cover
You’re only covered between the hours of 6am and 10pm
- Uninsured cars
The vehicle you drive must also be insured under a separate annual motor insurance policy
- Full driving licence
All cover ends as soon as you pass your driving test
Take a look at our policy wording for full details of what’s not covered.
Ready to get cover?
Simply enter the vehicle registration and your driving licence number to start your quote online.
Policy documents for Learner Driver Insurance
Learner driver insurance policy wording
Learner Short Term Insurance from Aviva
How the claims process works
Whatever happens, Dayinsure are on hand to help – 24 hours a day, 7 days a week.
If you’ve had an accident or need to make a claim, call Dayinsure on 08000 156 166 1 straightaway.
You’ll need your policy number to start your claim – so it’s a good idea to have this to hand.
The team will take a look at your claim and work out how best to help you.
DayInsure will review any photos or documents you’ve sent as part of your claim and ask you for details of anyone else involved.
Settling your claim
Dayinsure will work with you to sort things out as quickly as possible.
Remember, any claim you make won’t affect a no claims discount on any annual policy on the vehicle.
Looking for more cover?
We’ve got a range of car cover options to help protect what’s important to you.
Choose comprehensive or third party cover, plus add a whole host of extras to help protect you and your vehicle.
Discover Car Insurance
Temporary car insurance
Get flexible car cover from 1 to 28 days for day trips, short trips, test drives and more.
See temporary car cover
Combined cover for your cars, vans and vehicles. That’s one policy. One renewal. Zero fuss.
See MultiCar cover
Take a look at our latest news and guides.
What to do after an accident
Understand what to do and how to help if you come across an accident on the road.
Help at an accident
Getting insured as a new driver
Just passed your test? See how you can reduce the cost of your car insurance and get out on the open road for less.
Tips for new drivers
No claim bonus explained
Confused about your no claims bonus? Our guide takes you through how it works and how you can protect your discount.
Your no claims discount
6 reasons not to speed
It’s not just a potential crash you need to be careful of, driving too fast can cost you money, time and could even increase the cost of your car insurance.
Watch your speed
Car journeys with kids
How to plan your route, supplies and entertainment for a trip that’s memorable for all the right reasons.
Choosing an electric or hybrid car
Thinking about trading in your car for an electric or hybrid motor? Here’s some basic information to get you started.
Electric and hybrid cars
Driving on the motorway
Tips on staying safe while driving on high-speed, multi-lane motorways.
Driving with a medical condition
The different medical conditions that can affect your ability to drive and those that you must report to the DVLA.
Driving and your health
10 tips for driving abroad
How to prepare for driving overseas – from adapting your vehicle to knowing the rules of the road.
Driving abroad tips
Choosing your child’s car seat
Understanding the child car seat rules to protect your little ones while you’re on the road.
Car seats for kids
Risks of drink-driving
How alcohol affects your driving and the consequences of getting caught over the limit.
Driving at 70 years of age
What you need to know about renewing your licence once you’ve reached 70 years of age.
Driving again after an accident
Experienced an accident? Getting back on the road can be a struggle. Here’s our guide to regaining your confidence.
Driving in bad weather
Top tips for tackling the dangers of driving in rain, snow, ice, wind and fog.
Bad weather driving tips
Car insurance groups explained
Take a look at our guide to how your car’s insurance group is decided and how it affects your cover costs.
Understanding insurance groups
Still need help? Call DayInsure.
Monday to Thursday 8:00 17:00
Friday 9:00 16:00
1 For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.