Car Insurance For Learner Drivers In Their Own Car

Everything You Need to Know About Car Insurance for Learner Drivers

Getting your driver's license is a rite of passage for many young adults. When it comes to learning to drive, many parents and guardians are split on whether they should put their learner driver in their own car or let them practice in an instructor's car. This can be a difficult decision as there are many factors to consider, with car insurance being one of the most important. Read on to learn more about the car insurance rules for learner drivers.

Who Needs Car Insurance?

In the UK, it is a legal requirement for all drivers to have valid car insurance. This applies to learner drivers too, even when they are practicing in their own car. The learner driver will need to be insured even if they are not the registered owner of the car. The insurance policy should list the learner driver as an additional driver and will provide them with third-party cover. Third-party cover means that if the learner driver causes an accident, any damage to the other person's car will be covered but not any damage to the learner driver's car.

How Much Does Car Insurance for Learner Drivers Cost?

The cost of car insurance for learner drivers varies depending on the insurer and the type of cover chosen. Generally, car insurance for learner drivers is more expensive than for experienced drivers, as they are considered a higher risk. Learner drivers are also more likely to be charged higher premiums if they are driving a high-performance car, a luxury car or an older car. Additionally, the learner driver's age, gender and where they live can all play a role in determining the cost of their car insurance.

What About Supervised Learner Drivers?

Some insurers offer special discounts for supervised learner drivers, who are accompanied by a qualified instructor or supervisor at all times. This can be a great way to save money on car insurance, as supervised learner drivers are considered less risky than unsupervised learner drivers. However, it is important to note that the supervisor must be a qualified driving instructor or a person over the age of 21 who has held a full driving licence for at least three years.

What Are The Alternatives To Car Insurance?

If you do not want to take out a car insurance policy for your learner driver, there are other options available. For example, you could opt for a pay-as-you-go policy, which allows you to pay for cover by the hour or by the day. Alternatively, you could take out a short-term insurance policy, which provides cover for a period of between one and 28 days. Finally, you could take out a named driver policy, which provides cover for a specific driver rather than the car itself.

What Else Should I Consider?

When taking out car insurance for a learner driver, it is important to make sure that you are getting the best deal. Shopping around for different policies and comparing quotes from different insurers is always a good idea, as this can help you to find the most affordable option for your needs. It is also important to check that the policy you choose provides the right level of cover for your learner driver. Finally, make sure that you check the small print to ensure that you are aware of any exclusions that may apply.