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What’s the cheapest way to get insured as a learner driver?

by WeDrive

Temporary or short-term cover for learner drivers

Depending on your situation, buying short-term cover for learner drivers could be the cheapest way to insure a learner driver.

Available to learners who want to practice in a borrowed car or their own, this could be the much more viable option.

InsureLearnerDriver offers policies from 1-140 days for those in borrowed cars, and 28-140 days for learners who own their cars.

  • These “pay as you go” policies mean that you can pay for the days you plan to use it, which could mean you’re getting the most value from these policies.
  • These short-term policies are standalone learner policies, meaning that they won’t affect the no claims bonus of the person whose car you’re practising in.
  • Learners who have their own car can also be the only named driver on their policy.

Cons: If it takes a little longer for you to pass your driving test, investing in an annual policy could be the better option.

Adding a learner driver as a named driver

If a parent or friend wanted to help you to learn to drive, there is an option for them to add you onto their current insurance policy.

  • Many parents and learners opt into this option because they see it as the simplest solution, but with the added admin costs and potential rise in premiums – it may not be the cheapest way to insure a learner driver.

Cons: You won’t be able to have your own car. Adding a learner as a named driver to a policy when they are in fact the ones who will be driving it the most, is called “fronting” – this is illegal.

Annual insurance for learner drivers

Some learners opt into an annual policy cancel/convert it into a young driver policy it when they pass their test.

  • Those who purchase an InsureLearnerDriver annual policy can start earning their no claims bonus.
  • It can work out cheaper in the long run.
  • it’s an excellent opportunity to start earning their no claims bonus.
  • Annual policies are also popular with learners who have their own car.

Cons: Complications when cancelling before the end of a policy. InsureLearnerDriver does offer refunds on a pro-rata basis and can even transfer that over to a full licence policy. Other companies that offer annual learner driver insurance may not do this.

Always research what could happen if you pass before reaching the end of your policy.

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