Does Insurance Cover Learner Drivers?

Introduction

Learning to drive can be a nerve-wracking experience, particularly when it comes to thinking about the cost. It’s not just the price of lessons, but also the cost of insurance that can add up. That’s why it’s important to know whether or not insurance covers learner drivers - and if so, what the conditions are. Fortunately, there are a few options available to those learning to drive.

Add Named Driver

The most straightforward way for learner drivers to get insurance is to add themselves as a named driver to someone else’s policy. This is often a parent or guardian, but could also be a friend or family member. The named driver will still need to be a responsible, experienced driver, and the insurer may want to check their driving record. However, this is usually the most cost-effective option for learner drivers.

Learner Driver Insurance

If you are unable to be added as a named driver to someone else’s policy, there are other options available. Learner driver insurance is available in the UK, and is designed specifically for those learning to drive. This type of policy often covers the learner driver for a set period of time, and can be taken out for as little as one day up to five months. They are usually short-term policies, so if you need to extend the cover you will need to get in touch with your insurer.

Pay As You Go Insurance

Another option for learner drivers is to get pay as you go insurance. This type of policy allows you to pay for the insurance only when you need it. This can be useful if you are not driving regularly and don’t want to pay for insurance you don’t need. Pay as you go insurance can be taken out for single days, or extended up to three months. The cost of this type of policy varies depending on the insurer, so shop around to find the best deal.

Conclusion

Learning to drive can be an expensive process, but there are ways to get insurance for learner drivers. The most cost-effective option is to be added as a named driver to someone else’s policy, but this isn’t always possible. In this case, learner driver insurance or pay as you go insurance are both viable options. Whichever you choose, make sure you shop around for the best deal.