Learner driver own car insurance

Some learner drivers feel more comfortable practising their driving skills in their own car rather than someone else’s. You can take your driving test in your car, provided it meets certain rules. For more information, see Driving test in your own car.

Once you pass your test, you must contact us straight away so we can update your policy. Otherwise, you won’t be insured to drive the vehicle home from the test centre.

We don’t require provisional holders to fit a black box whilst they are learning to drive under supervision. However, they will need to fit a black box when they switch to a full licence policy.

A black box or telematics device is a small electronic gadget installed in a vehicle that monitors driving behaviour. It collects data on factors like speed, braking, and the time of day you drive. The device provides insurers with accurate data about a motorists driving habits. If you drive safely and responsibly, your premium may be reduced at renewal. 

A black box is a great way for young motorists to get affordable car insurance. It can also help them stay safe on the roads by providing regular feedback on how they drive.

For more information, see Telematics frequently asked questions. 

The learner driver must be accompanied by a qualified driver aged at least 35 years or over, who has held a Full UK driving licence for at least three years and has not been disqualified during that period.

Our learner driver policies cover provisional licence holders aged between 17 and 24.

We’ll cover most vehicles, which have a current market value of £30,000 or less and are under 16 years old.

You can get a car insurance quote in just a few minutes. Simply provide us with a few details about yourself, your vehicle, your driving history, and the type of insurance coverage you’re looking for, and we can arrange coverage promptly, depending on your requirements.

Including a more experienced motorist as a named driver on a learner policy may reduce your premiums. Sharing the vehicle with someone else lowers the risk of accidents. However, the named driver cannot be the vehicle’s main driver or owner.

Once you pass your test, you must contact us straight away so we can update your policy. Otherwise, you won’t be insured to drive the vehicle home from the test centre.

Our learner driver policies last for twelve months from the cover start date, as indicated in the policy schedule. 

With our annual learner policies, you can earn a No-Claims Bonus provided you don’t have an accident or make a claim during the policy period.

Learner drivers can only drive on the motorway if supervised by an approved driving instructor in a car fitted with dual controls, correctly displaying L plates.

Our learner driver insurance provides a policy in the provisional holder’s name, allowing them to earn a No-Claims Bonus if they remain claim-free. As the insurance is under the provisional holder’s name, the supervising driver’s No-Claims Bonus remains unaffected even if they make a claim.

Learner drivers can drive at night under correct supervision. While it can be beneficial for learner drivers to practice their driving skills at night in readiness for when they pass their test, driving at night is challenging and statistically more dangerous.

Provisional license holders are not covered for driving abroad; coverage is limited to the United Kingdom.

Various factors affect how long it takes to learn to drive, such as your age, commitment to lessons, quality of tuition, and confidence levels. However, research from the DVSA suggests it takes around 45 hours of professional driving lessons and a further 22 hours of private practice to reach the test standards.

If you are retaking your driving test because of a past conviction or ban, you may not be eligible for a learner driver policy. However, getting a specialist policy specifically for drivers with convictions may be possible.

If you are learning to drive with the same friend or family member, they can add you as a named driver on their motor insurance policy. However, whilst this will cover you to drive their vehicle under correct supervision, it will increase the main policyholder’s insurance premiums. It will also affect their No-Claims Discount if you have an accident.

Your licence will be revoked if you accumulate six or more points within two years of passing your test. Any existing penalty points on your provisional licence will be transferred to your full licence once you pass your test. Your licence will be cancelled if you receive additional penalty points that take the total to six or more within the first two years of passing your driving test.

A provisional driving licence is valid for ten years, and you will receive a renewal reminder before your licence expires.

You can include breakdown coverage in your learner policy; prices start from £42 per year. Our breakdown cover ensures you receive assistance when your vehicle breaks down, preventing you from being stranded at the roadside. The policy includes roadside assistance, vehicle recovery, home start, and onward travel cover.

In the UK, learner drivers must display L plates on the front and back of their vehicles. Not using L plates or displaying them incorrectly could result in a fine or penalty points on the learner’s provisional licence.