Learner driver insurance on your own car
Insurance for learner drivers
Our insurance for learner drivers is an annual policy that lets you practice your driving skills in your own car. You will get an insurance policy in your name, and you can start earning a no-claims bonus as a provisional holder, if you are claim free.
Additional practice in your car will help you build up your confidence, and you’ll become more comfortable with the controls and how the car drives. It might also help reduce the number of required professional lessons since you will practice more in your own vehicle.
Once you pass your test, you can switch from your provisional policy to a full licence policy (subject to an additional premium). Let us know as soon as you pass, so we can update your cover.
This policy covers
Provisional licence holders:
This policy
does not cover:
How A Choice learner driver car insurance works
- You will need to apply for a provisional licence so that you can learn to drive on UK roads.
- You can take private driving lessons with a qualified driver who is aged at least 35 years or over, has held a Full UK driving licence for no less than three years and has not been disqualified during that period.
- You can apply for your full driving licence once you have passed your practical driving test.
- Once you pass your test, we may be able to keep you insured on the same policy, subject to an additional premium, calculated on a pro rata basis from the date the driving test is passed. You will also need to fit a telematics device to your vehicle.
Helping learner drivers for more than 25 years
For over 25 years, we’ve been helping young motorists get a great deal on their learner car insurance. Our team are here to give you the best advice and help you need to get you on the road.
At A Choice, we are transparent from the start about the options available to you and the costs involved. We also work with a trusted panel of insurers, to help you find the right insurance for learner drivers, at the right price.
Start earning your No-Claims Bonus
Traditionally, a parent would add their son or daughter to their own car insurance policy as a ‘named driver’. Whilst at first, this may seem like a cost-effective solution, adding a ‘named driver’ can be costly and some insurers don’t allow it. If the ‘named driver’ has an accident behind the wheel, the vehicle’s owner could be at risk of losing their No-Claims Bonus.
We hope it doesn’t come to it, but by having your own insurance policy, your parent’s No-Claims Bonus won’t be affected if you make a claim. Best of all, you can start earning your own No-Claims Bonus from the day you take out your policy, regardless of whether you pass your test or not.
Learner insurance own car
Practice makes perfect as they say. With our learner driver car insurance, you can practice your driving skills in your own car, so you’ll be well prepared when it’s time to take your practical test and when it’s time to go it alone when you pass. You’ll get an insurance for learners’ insurance policy in your name, and you can start earning a No-Claims Discount as a provisional licence holder, if you’re claim free. This policy gives you the flexibility to improve your driving and gain valuable experience behind the wheel when it suits you.
If you’re a provisional licence holder, aged between 17 and 21, we can cover you in a wide range of vehicles under 16 years old. Each driver must be accompanied by a parent or guardian that holds a full UK driving licence.
Instant cover
Enter your reg, the postcode of where the car is kept and a few personal details to get set up. Cover can start immediately.
Practice more
Practice as and when is convenient for you. Gain valuable driving experience, which could help you pass your test faster.
No-Claims Bonus
Start earning a No-Claims Discount, provided you don’t have an accident or make a claim during the policy period.
Learner insurance benefits
- Unique insurance for learners policy which offers you two options at the start of your policy to cover you both on a provisional and once you have passed.
- Learner driver can earn a No Claims Bonus.
- No driving curfews. Freedom to practice when you want.
- Friendly call centre to answer your queries.
- 24 hours, 7 days a week claims helpline.
- Flexible payment options.
- Wide range of optional extras.
Continuous learner insurance when you pass your driving test
We can keep you insured once you pass your test (subject to an additional premium), provided you fit a telematics device to your vehicle. Also, if you stay claim-free as a learner driver, you can continue your way to your own No-Claims Discount. Terms and conditions apply.
Types of cover for learner drivers
At A Choice we can offer two levels of cover for learner drivers.
Comprehensive
Comprehensive coverage includes protection for third-party claims, fire and theft damage, accidental damage to your own vehicle, malicious damage, and windshield cover.
Third-party, fire and theft
Third-party, fire and theft coverage includes protection for fire and theft damage to your vehicle, as well as damage to a third-party vehicle.
Frequently asked questions
Yes, you can own a car as a learner driver, but you must driver with a fully licensed supervisor.
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.
Yes, the person sitting next to a learner driver should be insured. The insurance policy should allow them to take control of the vehicle if necessary, during a practice session. It is important that the supervisor checks with their insurance provider to ensure that the appropriate cover is in place. Additionally, the person supervising can be added as a named driver on the learner driver’s policy.
In the UK, learner drivers can have passengers but there must be a qualified supervisor in the car aged at least 35 years or over, who has held a Full UK driving licence for at least three years.
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.
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.
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.
More information
If you would like further information, call us on 0330 127 4500.
*Price based on a 17 year old provisional licence holder, living at home, driving a Fiat 500 Lounge, Post code B78.
Price includes Insurance Premium Tax at the prevailing rate, a £95 setup administration fee and is subject to underwriting criteria.
Page was last reviewed in March 2025