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Learner Driver Insurance

Get temporary learner driver insurance with Tempcover

Why choose our learner driver insurance?

Learn to drive when you want with flexible cover
With policies from just 12 hours up to 28 days find the right policy for you
No impact on No Claims Discount plus fully comprehensive cover as standard

What is learner driver insurance?

If you’re a learner driver practising with friends or family instead of a qualified instructor, you will need your own insurance policy. But, when learning to drive, you probably won’t need cover constantly – instead, choose an insurance policy that’s flexible and that can suit your needs.

With our temporary learner car insurance, you only pay for the cover you need, when you need it. You can choose to take out learner insurance for a day, a week, or a month. With cover available from 12 hours up to 28 days it’s easy to find a policy that fits around you.

With our learner driver insurance, you’ll get comprehensive cover as standard, giving you complete peace of mind while you hone your driving skills.

Benefits of our learner driver insurance

It's flexible

We offer fully flexible provisional insurance for just the time that you need. So, you can take out cover that fits around your driving practice.

It's cost-effective

Our temporary learner driver insurance means you can take out a policy without paying for annual cover. No long-term contracts, just pay for what you need.

Peace of mind

All of our car insurance policies for learner drivers offer fully comprehensive cover. So, you can learn to drive with peace of mind.

It's quick

Need fast temp learner insurance? You can get a quote online is just 90 seconds.

How does our learner insurance work?

Our short-term learner car insurance is ideal for learning to drive in your own car or in that of a family member. You can take out cover for the length of time that you need, and you’ll be fully covered to practice in the car of your choice.

As a provisional licence holder, you’ll need to make sure you have someone with you who’s qualified to drive and is eligible to supervise you. With our provisional insurance, there’s no impact on any No Claims Discount so any other policy won’t be affected.

It’s important to remember that your temporary learner driver insurance won’t cover you once you’ve passed your test but it’s an affordable way of getting insured so you can practice driving as a learner.

  • Learner
  • Car
  • Van
  • Bike
  • Courier
  • Expat
  • Impounded
  • Learner
  • Car
  • Van
  • Bike
  • Courier
  • Expat
  • Impounded

Get 12 hour to 28 day temporary learner driver insurance quotes in 90 seconds


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Why take out temporary learner driver insurance?

The spiraling cost of tutored driving lessons means 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. Our learner driver insurance can cover you for a few days, weeks, or months – however long you need.

  • To get some extra practice – extra hours on the road before the test can be valuable, especially in a car and with people you feel comfortable with. Get that crucial extra time behind the wheel with temporary learner insurance. Make sure also to check some tips on how to pass your theory test.
  • To reduce the cost of learning – learning to drive is not cheap; for an average person it  . Provisional car   insurance lets you get that extra practice to help you pass quicker and cut the cost of learning.
  • To protect the owner’s No Claims Discount – many family members can be nervous about letting a learner practice in their car. With short-term learner insurance, you get complete peace of mind because it does not affect any existing policy and there’s no danger of losing any No Claims Discount.
  • To take your test in whatever car you want – whether you prefer your own car, or you’re more comfortable in Mum or Dad’s car rather than your instructor’s, learner driver insurance will let you do exactly this.
  • Complete peace of mind on the road – all learner insurance policies from Tempcover come with fully comprehensive cover as standard, compared to third-party-only cover that most annual insurers offer. So, you can relax and focus on learning.

What does temporary learner driver insurance cover?

Comprehensive cover comes as standard on our short-term learner car insurance policies, so you’re automatically covered for any damage sustained to yourself, the vehicle, or any third parties.

What's covered with Tempcover's provisional insurance?

  • Fully comprehensive insurance on policies from 12 hours to 28 days  
  • Accidental and malicious damage to your car  
  • Cover for injury or damage to another person or their property  
  • Driving in the UK

What's not covered with learner driver insurance?

  • The excess you agreed to pay
  • Release from an impound (unless you buy a specific temporary impounded vehicle policy)
  • Additional drivers – we can only cover the driver named on the policy
  • A sole claim or separate cover for broken/damaged glass including the windscreen
  • Driving once you’ve passed your test

Tempcover works with a panel of insurers to ensure we can provide temporary car insurance for as many drivers as possible. Because of this, the full details of cover may differ depending on the insurer. Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy

Am I eligible for provisional insurance?

We’re confident that if you meet the criteria below, you will be eligible for temporary learner driver insurance.

Please be aware that each insurer on our panel has its own eligibility criteria, so you should pay close attention to its Proposer’s Declaration.

To get learner driver insurance, you must

  • Be aged 17-69 years old.
  • Hold a UK provisional driving licence.
  • Have been a permanent UK resident for the last 12 months.
  • Not have any licence points or prosecution pending for any motoring convictions.
  • Have never been disqualified from driving.
  • Have never driven a vehicle that was involved in an accident that was considered your fault; whether partially or fully
  • Have no criminal convictions.
  • Not have had a previous policy of insurance declared void by an insurer.

To get learner car insurance, the person supervising you must

  • Be aged over 25.
  • Hold a full UK driving licence and held that licence for at least 3 years.
  • Have been a permanent UK resident for at least 2 years.

To get learner insurance, your car must

  • Be valued between £500 and £30,000
  • Be in a roadworthy condition with a current and valid MOT (unless you are using our policy to take the vehicle to a pre-booked MOT)
  • Be taxed (unless you are using our policy to get the vehicle taxed immediately after purchase)
  • Be insured with an annual insurance policy if the owner of the vehicle is not you, the learner, and the policyholder.
  • Be used only when you, the learner, and the policyholder are being supervised to learn to drive.
  • Be a right-hand drive car and have no more than 5 seats in total
  • Not be modified in any way except for a car designed to aid disabled drivers

Flexible, temporary provisional insurance, built around you

Quick and easy learner driver insurance quotes

It couldn’t be easier to get cheap car insurance for first-time drivers.

You can buy a policy online any time that you need it and, with our speedy quote process, you can get a quote in just 90 seconds.

Temporary car insurance for learner drivers from a panel of insurers

We all know that comparing prices is the best way to save money.

We compare prices from a panel of temporary learner driver insurance providers and show you their cheapest price.

The details you will need:

  • The vehicle's reg number
  • Your details (name, address, date of birth, etc.)
  • The value of the vehicle
  • Your occupation
  • Your email/phone number (to send policy documents)
  • When you'd like the policy to start and end
We work directly with insurers to provide you with short-term insurance to suit your needs
VISA, Mastercard, AMEX
You can pay for your short term insurance policy in several ways. Using our secure payment system, you can use the following payment methods:
VISA, Mastercard, AMEX

After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.

Customer satisfaction

 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 27,000 reviews, with over 80% of reviewers giving us 5 stars!

We’ve been recognised for our work with plenty of awards

Temporary learner driver insurance FAQ

Are learners covered under other people’s insurance?

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 covers you so long as you’re paying for their services. If an accident were to happen, it would be for them to claim and sort out, so learners need not worry about insurance at all when paying for classes.

But, if you’re arranging private sessions with a friend or family member, you will need a separate policy to cover 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 their insurance provider will say no – and cover could cost a lot of money regardless. Because their insurance won’t apply to you, you’ll need another arrangement. And that’s where our short-term cover comes in. You can get learner insurance for one day, one week, or one month.

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Do I need to insure a learner driver on my car?

Yes. Any learner driver will have to have insurance cover, whether you want to add them to your existing policy or not. But if you’d rather eliminate the risk, Tempcover’s provisional insurance doesn’t affect your main policy, and your No Claims Discount is protected.

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Is learner driver insurance different to standard insurance?

Learner driver insurance policies are tailored to the needs of provisional drivers. Tempcover’s temporary learner insurance is a flexible, short-term option that’s ideal if you’re learning to drive and want to get some experience outside of your usual lessons, in a different car.

This type of cover can be taken out for the time period that suits you, unlike standard policies that usually offer annual cover. This makes our temporary provisional insurance a cost-effective way of getting covered while learning to drive.  Get a quote today to find out how affordable it could be.


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Can a learner drive any car with learner insurance?

No, a learner driver is only insured 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 by using a second vehicle.

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Is it expensive to add a learner driver to an insurance policy?

If you’re a parent or friend of a learner driver, adding them to your existing insurance can be expensive. Understandably, learner drivers are seen as a higher risk because of their lack of experience. As a result, adding them to your policy can increase your premiums, plus you’ll have to pay an admin fee to make the change.

Other downsides to adding a learner driver to your car insurance are that many insurance providers simply won’t allow you to do it at all because of the increased risk.

You’ll also face the risk of losing your No Claims Discount should the learner in your life have an accident behind the wheel. This is not only expensive in the short term, but without a long-standing record of no claims, buying your own insurance will be more expensive in the longer term as well.

Temporary learner car insurance is a car insurance option for learner drivers that comes without the risk of impacting any No Claims Discount. It’s a separate standalone policy that won’t affect any existing policy on the car.

With temporary insurance, the learner is covered to use your vehicle for between 12 hours and up to 28 days, but policies can be purchased at any time. That way, their practice can fit around your schedule, and you’re not paying for cover you don’t need.

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How much is learner insurance?

Your temporary learner driver insurance quote will depend on a range of factors including how long to want to take out cover for and the vehicle you want to insure.

Get a quote and see how little provisional insurance could cost you.

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What is the cheapest way to insure a learner driver?

You can find cheap provisional insurance by choosing the right insurance for your situation and only paying for cover when you’re actually behind the wheel.

Without road experience, insurers will always increase the cost of provisional insurance. To get cheap learner driver insurance, you will first need to choose the right type of insurance:

Temporary learner driver insurance – The ideal option for learner drivers who want something more flexible and don’t want the huge expense of an annual policy. If you only practice on weekends, insurance for one day, or weekend insurance is likely to be the best option. If your test is in a week or a month, getting just one weeks insurance or one month’s learner insurance will be more cost-effective than an annual policy.

With temporary learner driver insurance, there are no long-term commitments, so if you pass your driving tester sooner than expected, you aren’t left tied into a contract.

Become a named driver – Being a named driver on your parents or other family members’ policy can be a better option if you’re planning on learning for a long time or aren’t sure exactly when you’ll be practising. However, there are a few drawbacks, including the risk to the vehicle owner’s No Claims Discount and the likelihood that the cost of their insurance will go up to cover you.

Annual learner driver insurance – This is a long-term option if you aren’t planning on taking or potentially passing your test in the near future. Once you have passed your test, you can update the details of the policy and continue with that insurance provider or cancel the policy (both actions will come at an additional cost).

Choosing the right policy for your needs is the best way to get cheap provisional insurance. You can also reduce the cost of your policy by taking the following steps:

  • Practice in a small-engine car in a low-insurance group
  • Increase any voluntary excess on the policy
  • Add a more experienced driver to your policy (if it’s your vehicle and you are still the main driver)
  • Choose comprehensive cover over lower levels of cover

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Can you get learner driver insurance for one week?

Yes, you can get one-week learner driver insurance. Like other temporary car insurance policies, you can get learner insurance for 12 hours, a day, a week, or a month, 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.

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Do you need temp learner insurance for your driving test?

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 cover 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 car insurance to do this. You will also need some form of learner insurance if you’re driving someone else’s car.

Once you pass your test, your learner driver insurance will become invalid, so you’ll need to make sure you have other arrangements for this.


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Do I still need insurance if I’m learning on private land?

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.

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Can I get learner driver car insurance on my own car?

Yes. Any learner driver will need 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’ll 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 get short-term learner car insurance for your own car, that is.

This policy will give you time 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, with a provisional driver in any vehicle, you still can’t drive the car without an experienced driver present until you pass.

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How can I get temporary learner car insurance?

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 three simple steps:

  1. Enter a few details about yourself and the car you want to learn in
  2. Confirm you’re happy with the price and details of your policy
  3. 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. Get a quote today.

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What our expert says

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Learning to drive can be long and expensive. Get that crucial extra practice with people you know and have peace of mind that you're properly insured with short-term learner insurance.

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Marc Pell

Managing Director

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