Learner driver insurance is specifically designed for provisional licence holders who wish to learn to driver in someone else's car. You should remember though that the moment you pass your test, this insurance is no longer valid.
What is learner driver insurance?
For most people, learning to drive is not easy, and experience behind the wheel is key to building confidence. However, gaining that experience with a driving instructor, at £20-£30 an hour, isn't cheap.
One way you can save money, and get valuable 'real-world' driving experience is by learning in a friend or family member’s car. They could add you as a named driver to their policy, and, so long as they are over 21 and have held their licence for at least three years, they can take you out - helping you brush up on your three-point turns and ten to two.
However, although this set-up could be really good for you as a learner driver, it might not be so good for the person whose car you are borrowing.
Learner drivers, unfortunately, crash more often than those who have passed their test. If you have a prang, and you're included on someone else's policy, it will be their no-claims discount that will be lost. If they've spent years building up their no-claims, to help reduce the cost of their own insurance, it's unlikely that they will want to risk that. But, what if you could get your own insurance? Insurance that, if claimed on, would not affect your friend/family member's no-claims?
Learner driver insurance is just that. A car insurance policy, taken in your name, that covers you for driving (as a learner) in another person's vehicle.
Who can get learner driver insurance?
Assuming you have permission to drive the vehicle and have a provisional driving licence you should be able to get learner driver insurance.
What cover is available?
As with standard car insurance policies, there is a range of cover options available for learner drivers. Of course, before you purchase any cover you should agree with the person whose car you intend to use (and who is likely to be seated next to you in the vehicle) what cover they would expect to have - Comprehensive cover being their most likely response.
You'll also need to consider how long you need to be covered. Policies are available for various durations, from days to weeks, or even a full year. Policies tend to be cheaper per day the longer they get. However, if you’re wanting to brush up your skills for a test in a week’s time, there may be no point in getting cover for a full year. Without being able to predict the future, you'll need to decide which option offers the best value for money given the scenarios that are likely to play out.