If you’re a learner driver practising with friends or family and not a qualified instructor, you will need your own insurance policy. But as a learner driver, you probably won’t need cover constantly – instead, choose an insurance policy that’s flexible to suit your needs.
With temporary learners insurance, you only pay for the cover you need, when you need it. From just 12 hours up to 28 days – find a policy that fits around you.
With temporary car insurance for learner drivers, you get the highest level of cover as standard. With fully comprehensive cover on every learner policy, you’ll have complete peace of mind while you hone your driving skills.
Yes. Any learner driver will have to have insurance cover to drive their own car. Buying your own car as a learner can be a great way to get comfortable with the car you will be driving long term.
If you find a car you love before you’ve passed your test, nothing is stopping you from buying it. But you wouldn’t be able to drive it yourself yet – unless you got short term learner car insurance for your own car, that is.
This policy will give you a few days to get used to your new vehicle, and it’ll mean that when you pass, you can hit the ground running. You could even use it to get some test practice.
Just remember that, as is the case for a provisional driver in any vehicle, you still can’t drive the car without an experienced driver present until you pass.
The spiralling cost of tutored driving lessons means that private lessons are a more affordable and increasingly popular way for newcomers to get some much needed on-road experience. But you’ll need the right cover to do it and learner driver insurance can cover you for a few days, weeks, or months – however long you need.
Temporary insurance for learner drivers is the ideal solution for many newcomers to the road. It’s incredibly easy to get the cover you need with Tempcover – just follow these 3 simple steps:
Enter a few details about yourself and the car you want to learn in
Confirm you’re happy with the price and details of your policy
Pay for your policy and get your documents emailed instantly
That’s it. And when your policy expires at the time you selected; we’ll just send you a little reminder in case you need another policy. If you do, it’s just the same simple process every time.
We’re confident that if you meet the criteria below, you will be eligible for temporary learners’ insurance.
| To get temporary learners insurance, you must | To get temporary learners insurance, the person supervising you must | To get temporary learners insurance, your car must |
| Be aged 17-27 years old | Be aged over 25 | Be valued between £500 and £30,000 |
| Hold a UK Provisional licence | Have held their full UK Driving Licence for at least 3 years | Be in a roadworthy condition with a current and valid MOT (unless you are using the insurance policy to take the vehicle to a pre-booked MOT) |
| Have been a permanent UK resident for a minimum of 3 years | Have been a permanent UK resident for a minimum of 2 years | Be insured with an annual insurance policy if the owner of the vehicle is not you, the learner and policyholder. |
| Have no licence points or have any prosecution pending for any motoring convictions | Have not had any DR coded motoring convictions in the past 5 years | Be used only when you, the learner and policyholder are being supervised to learn to drive. |
| Have never been disqualified from driving | Be a right-hand drive car | |
| Have never driven a vehicle that was involved in an accident that was considered your fault; whether partially or fully | Have no more than 5 seats in total | |
| Have no criminal convictions | Not be modified in any way except for those designed to aid disabled drivers |
Please be aware that each insurer on our panel has its own eligibility criteria and so you should pay close attention to their Proposer’s Declaration.
No – only your qualified instructor’s insurance covers you as a learner automatically. When you’re in your driving instructor’s car, they have a special kind of insurance policy that automatically covers you so long as you’re paying for their services. If something were to happen, it would be on them to claim and sort out, so learners need not worry about insurance at all when paying for classes.
If you’re arranging private sessions with a friend or family member, you will need short term car insurance for learner drivers. The car owner could try adding you to their policy, but since you haven’t even passed yet, there’s a good chance that their insurance provider will say no – and this could cost a lot of money regardless. Because their insurance won’t apply to you, you’ll need another arrangement. And that’s where a short term agreement means you can get a one week or one month learner insurance policy.
Yes. Any learner driver will have to have insurance cover, whether you do want to add them to your existing policy or not. But if you’d rather eliminate the risk, you could consider special car insurance for learners instead, through a temporary policy.
No, they’ll only be able to drive the car that’s named on the policy. But nothing is stopping you from paying for another provisional insurance policy on a different car if you wanted to get some practice in using a second vehicle.
If they’ll only be practising in the car for a matter of weeks, getting a one-week or monthly learner driver insurance policy would be much cheaper than their own annual policy. You could add them as a named driver on an existing policy, but that would increase premiums a lot.
Because of this, short term car insurance for learner drivers is usually the cheapest and best value option, because you can have it terminate as soon as you’re done training.
Yes, you can get one-week learner driver insurance. Like other temporary car insurance policies, short term learner car insurance will allow you to borrow and practice in a friend’s, parent’s or other family member’s car.
You can get cover on a weekly or monthly basis up to 28 days at a time. So, whether you need that last bit of practice before your test or you’re getting behind the wheel for the first time, you can select a policy duration that fits your needs.
No, you probably don’t – unless you’re planning to drive a car other than your instructor’s.
As was the case during your lessons, if you take the test in your instructor’s car, their specialised insurance will automatically apply to you. But if you want to take the test in your car or a friend/family member’s car, you’ll have to arrange temporary learner insurance to do this.
You will need some form of learner insurance if you’re driving someone else’s car.
Potentially, yes. All the same laws apply to drivers learning on ‘private land’. If you are learning to drive in an area the public has access to, for example, a footpath then you must have the same insurance as you would need to drive on the road.
Without the right weekly or monthly learner driver insurance, not only do you risk having your car seized but you could face fines and see points added to your licence. This can have a big, negative impact on your premiums when buying annual insurance after you’ve passed.
Having the right insurance is not only the law, but it gives learners that little bit of extra reassurance when practising on the road.
Tempcover has provided temporary vehicle insurance to hundreds of thousands of drivers for over 15 years.
We’re currently rated ‘Excellent’ on Trustpilot and have over 23,000 reviews, with over 80% of reviewers giving us 5 stars!
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After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.
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