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Cheap Short Term Car Insurance For Learner Drivers

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Cheap Short Term Car Insurance For Learner Drivers

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What is cheap learner driver insurance?

Temporary learner driver insurance is a great way for learner drivers to save money when learning to drive. It lets you practice as and when you need to and because you only pay for the cover you need; it can be the cheapest way to insure a learner driver.

Whether you just need learner driver insurance for one day to get some extra experience, or you need to use a different vehicle when practising to drive, you can find a flexible policy to suit your situation.

Because you only pay for the times you want to practice, you’re not tied into a long-term policy. This means there is no hefty price making it more affordable for learner drivers.

Is it expensive to add a learner driver to your insurance?

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 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 long term as well.

Temporary learner insurance is cheap car insurance for learner drivers without the risk of impacting No Claims Discount. It’s a separate standalone policy that won’t impact any existing policy on the car. With no price increases for you and no risk to your No Claims Discount, it’s likely to be the best option for you.

With temporary insurance, they’re covered to use your vehicle for 12 hours 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.

How can I get cheap provisional insurance?

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 drivers 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 months insurance will be more cost-effective than an annual policy.

With temporary learner 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. There are however 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 for learners who aren’t planning on taking, and potentially passing their 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

What does cheap learner driver insurance cover?

Temporary learner driver insurance gives you complete peace of mind when practising with fully comprehensive cover as standard. This means that should the worst happen, you’re covered.

What’s covered with cheap provisional insurance car insurance

What’s not covered with cheap provisional insurance car insurance

Fully comprehensive insurance on policies for the following durations – 12 hours, 1-28 days, 30, 60, 90 days The excess you agreed to pay
Accidental and malicious damage to your car Release from an impound (unless you buy a specific temporary impounded vehicle policy)
Loss or damage to your car caused by fire, theft, or attempted theft Additional drivers – we can only cover the driver named on the policy
Third-party property damage up to £2M Hotel and travel expenses
Fitted audio and navigation damage up to £500  Temporary replacement car

Tempcover works with a panel of insurers to ensure we can provide temporary insurance for as many drivers as possible. Because of this, 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.

Can I get cheap learner insurance?

We’re confident that as a learner driver, we can help you find the cheapest way to insure a learner driver. There are however a few basic requirements you will have to meet to be eligible for a quote:

To get cheap insurance for learner drivers, you must To get cheap insurance for learner drivers, the person supervising you must To get cheap insurance for learner drivers, 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 as 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.

Recently passed your test. As a new driver, you might need one of our other temporary insurance products.

The cover you need for the duration you want

Full cover,
no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

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