Which Type of Insurance is Right for You While Learning?
Shopping for insurance as a learner driver can feel like walking into a maze. One moment you’re looking at learner driver insurance, the next someone’s telling you about black box policies - and now you’re more confused than ever.
Don’t worry. We’re breaking it down - clearly, simply, and with your sanity in mind. Whether you're trying to build confidence behind the wheel or just save your parents some grief, here's what you need to know about how these two types of cover compare.
What is Learner Driver Insurance?
Let’s start with the basics. Learner driver insurance is a short-term policy specifically designed for UK drivers who hold a provisional licence. It allows you to practise in someone else's car - typically a parent’s - without messing with their main policy.
The best part? It’s fully comprehensive, works only while you're behind the wheel with supervision, and ends the moment you pass your test.
And What About Black Box Insurance?
Black box insurance (also known as telematics insurance) is a long-term policy aimed at younger, newly qualified drivers. It uses a fitted device - or your smartphone - to monitor how you drive. That includes your speed, acceleration, braking, and the time of day you’re on the road.
The better (and safer) you drive, the cheaper your renewal or monthly costs can be. It’s like a loyalty scheme, but for not scaring your passengers.
Key Differences: Side-by-Side
Here’s a quick overview to help you make sense of it all:
- Licence Type: Learner insurance is for provisional drivers. Black box insurance is for full licence holders.
- Policy Length: Learner insurance is temporary (7–168 days). Black box policies usually last 12 months.
- Supervision: Learner insurance requires a qualified supervising driver. Black box policies do not.
- Driving Data: Learner policies don’t track you. Black box insurance does - it’s how they adjust your premium.
- When It's Valid: Learner insurance ends the moment you pass. Black box insurance often starts right after you pass.
Which One Should You Choose?
If you’re still learning, learner driver insurance is your go-to. It gives you peace of mind and independence while keeping your parent’s No Claims Bonus safe.
Once you've passed your test, that’s the time to start thinking about a black box policy - especially if you’re a newly qualified driver looking to keep costs down.
Anything Else to Watch Out For?
Yes - and this bit matters. You must hold a UK provisional driving licence to buy learner driver insurance. It’s not a shortcut for full licence holders trying to cheat the system. All applications are validated, and policies will be cancelled if you don't meet the criteria.
On the flip side, if you're a full licence holder trying to lower your first-year costs, black box insurance may be a clever way to prove you’re not a speed demon.
The Bottom Line
It’s not about which policy is “better” - it’s about which one fits where you are on your driving journey. If you’re still taking lessons and practising with supervision, stick with learner driver insurance. Once that pass certificate is in your hand? That’s black box time.
Still learning? Let’s get you on the road with the right cover.