It's a short-term insurance policy designed to cover provisional licence holders while they're practising driving.
Revving up...
Whether you're preparing for your first driving lesson or just brushing up on the rules before taking your test, this FAQ section answers the most common questions about learner driver insurance in the UK.
It's a short-term insurance policy designed to cover provisional licence holders while they're practising driving.
You are eligible for Learner Driver Insurance, if...
You can insure a car owned by you, or a car owned by a friend or family member – subject to meeting the policy terms.
An excess is the amount you pay towards a claim where one applies. Check your quote and policy documents for the excesses that apply to your cover, including any additional excess if you use a repairer the insurer has not approved.
No, claims made on your policy won't impact their bonus.
A no-claims discount (NCD), or no-claims bonus, is a count of the number of years during which someone hasn't made a claim on their car insurance policy.
Its worth varies from insurer to insurer, but an NCD of five years or more, for example, could give someone 60-75% discount on their motor insurance premium. If you were insured on their policy as a learner driver and had an accident, you would affect that person's NCD and possibly future discounts on their premium.
It won't affect your parent's motor insurance at all! Our policy is a temporary risk policy on the learner driver. Dual Insurance occurs when, in the case of insurance against loss or damage, the same items are insured against a certain risk under more than one insurance policy. Cover is only provided under our policy for drivers who hold a provisional UK licence and are not named in the main insurance policy covering the vehicle.
Policies are short-term, ranging from 7 days to 24 weeks.
Yes, once your policy is approved, you're covered instantly.
Yes. Contact your policy administrator to cancel. A refund may be available during an applicable cooling-off period, provided no claim has been made. Charges apply, and there is no premium refund outside that period. Check the cancellation terms before buying.
A 14-day cooling-off period applies, except to policies lasting 7 or 28 days. It starts when your cover begins or you receive the full terms, whichever is later. Cancellation charges apply; check the policy documents for details.
Typically, you'll need to buy a new policy once the current one expires.
No. For private practice, you must be accompanied by a supervisor who meets the policy’s requirements. See “Who can supervise my driving?”
For private practice, your supervisor must be over 25 and meet the policy’s driving licence, residency and motoring conviction requirements. Get a quote and check the policy documents for the full requirements before buying.
Yes, they must be clearly displayed at the front and back while driving.
Yes, in certain circumstances, including an emergency, if you cannot continue driving, or after you pass your test. This cover is limited to the journeys described in the policy documents.
Yes, but the car owner needs to have their own insurance in place, and you can get your own separate policy.
The policy only covers you as the named driver. However each learner driver can have their own policy and practise in the same car.
If you are not the registered owner and keeper of the insured vehicle, and your parents are, then your parents must have their own valid motor insurance policy in force.
Yes, provided your policy is in force and you meet its conditions. Your cover to drive ends as soon as you pass, so you’ll need suitable insurance before driving again.
Your cover to drive ends as soon as you pass. Notify your policy administrator and arrange suitable insurance before driving again. The policy provides limited cover for your supervisor to drive afterwards, including taking the car home, subject to its conditions.
Provided you are 21 or under at the inception of the cover then that is acceptable.
Sorry, no.
No. Cover is only available for learner drivers aged 17-21.
Call the 24/7 claims line immediately and follow the procedures in your policy.
Your policy provides up to £200 for required medical treatment if there's an accident.
You're responsible for ensuring the car is roadworthy and properly maintained.
As with all insurance policies, there are certain things that are not covered. The main exclusions will be shown in the policy summary document or you can view a copy of the full policy terms and conditions. Both are available to see when you get a quote. Just remember: racing, off-road driving, carrying hazardous goods, or driving after you've passed your test are not covered.
No.
No.
No.
Yes. There are no time-of-day restrictions, provided your cover is in force and you meet the policy’s supervision requirements.
Get a quote and check the policy documents for details of the insurer providing your cover before buying.
Once you've purchased your policy you will receive an email attaching your policy documents. We are trying to help the environment by reducing the amount of paper we use. If you prefer, you can request paper copies of the insurance certificate at any time during the policy term, by emailing info@chooseyourinsurance.co.uk. If you require a paper copy of the full documents please advise us. No charge will be made for this.
Modifications must be disclosed and agreed by the insurer. If your car has been modified, check with the policy administrator before buying.
Get a quote to see your price and review the cover, conditions and exclusions before buying.
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