How can we help you with learner insurance today?
Last Updated: 20/02/2017
The spiralling cost of driving lessons with instructors means that private lessons are often a more affordable option. Like all drivers, if you want to practice in a friend or relatives car, you need to have the right insurance to do so.
For many people, adding a learner driver to an existing policy or getting can be costly given the risk involved. One way to reduce the cost and stress of private lessons is to get temporary learner driver insurance.
As it’s a separate policy, the vehicle owner doesn’t have to worry about paying large extra premiums on their existing insurance and any no claims discount they have is protected. Learning to drive with short term car insurance means you are can practice on the road whenever you need to without having to worry about what happens if you have an accident.
Cover is available from 1 day up to 3 months, 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 that fits your needs.
Many parents and family members are worried about letting someone learn in their car. Naturally, there is a risk involved in letting a learner driver use your car and with the added increase in insurance premiums, for a lot of people; it’s not worth the risk or money.
With temporary insurance, you don’t have to worry about affecting your existing insurance being affected because you’re getting a separate policy. There’s no increase in your premiums and any no claims discount you’ve got are protected.
If you add a learner driver to your existing policy, most annual insurers will only offer third-party cover. This means that should a learner have an accident that was their fault, you wouldn’t be able to claim for damage to your own car. With short term insurance, you don’t have to worry because you get comprehensive cover. This means that everyone is covered:
Having insurance that gives you comprehensive cover and protects everyone is the best way to put your mind at ease while a friend or family member learns in your car.
The average cost of a driving lesson is £24 and the DSA (Driving Standards Agency) recommends around 47 hours of practice. Assuming you pass first time, the total cost of lessons for a learner will be £1,128, an amount many learners and their families can’t afford.
This cost means that many people choose private sessions with a friend of family member alongside professional lessons. Private lessons are a great opportunity for learners to practice what they’ve learnt in their lessons with an instructor.
Private lessons should never completely replace lessons with a professional. Not only are learners gaining unbiased and certified training but they also drive in dual control cars, the safest way to be on the road with a new driver. They are however a free alternative which allows a learner to develop their skills around their schedule.
Private lessons are incredibly useful for learners but they have to fit around the car owner’s schedule. The means it's important to have cover that’s flexible and works around everyone because you don’t want to pay for cover you don’t need or use.
You may want a little bit of extra practice before your driving test and so paying for a years’ worth of cover, when you only need it for a week is big waste money and effort. With a temporary learner policy, you only pay for the amount of time you actually require. From 1 day to 3 months; you can get the right amount of insurance for your situation.
It’s simple to purchase a policy and you can get a quote in minutes. Whether you need cover to start instantly or in a months’ time, the process is always simple and straightforward.
It’s the best and most affordable way for a learner driver to legally practice their driving skills privately and give the vehicle owner peace of mind that their car is comprehensively covered.
Short term insurance is the ideal solution for many learners. You can expect to get a policy if you are 17 and older and have been a UK resident for a minimum of 12 months. To process a quote you’ll need:
o Your personal details, name, address, email etc.
o The number plate of the car you want to drive.
o Your driving licence number.
o A debit or credit card or Paypal account.
As a learner, you’re not allowed to drive a car without supervision. Any driver is allowed to supervise you as long as they are over 25 and have held a full UK driving licence for at least three years (as long as they do not have a DR coded conviction within the last 5 years).
They do not need to be the person who owns the car; you just need to have the vehicle owner’s permission.