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.
PROS OF TEMPORARY LEARNER POLICIES
- 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.
PROS OF ADDING LEARNER DRIVERS TO YOUR 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.
PROS OF PURCHASING AN ANNUAL LEARNER POLICY
- 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.