Temporary Learner Driver Insurance

Temporary Learner Driver Insurance

Compare Temporary Learner Driver Insurance Quotes

Learning to drive can be a rewarding experience but it can also be a headache if you aren't familiar with what car insurance policy to choose. If you are looking to get some extra hours of practice in beyond your standard driving lessons, you'll need a learner driver insurance policy. This is due to the fact that when you are behind the wheel for a driving lesson, you'll be covered by your instructors insurance policy. However when you are driving outside of these lessons you'll need to be insured under a learner drivers policy.

How much does temporary learner driver insurance cost?

This really varies from person as the cost of a car insurance premium is influenced by many things. These include factors such as your age, the car you drive, the level of temporary coverage you are looking for and even where you live. As a learner your premiums are likely to be higher than that of a standard car insurance policy. This is because as a new driver, your risk factor to the insurer will be difficult to determine. As a result insurers will raise your premiums by default and unfortunately there is little you can do to avoid this.

The easiest thing to do to find cheap car learner insurance is to compare multiple quotes from different insures in order to increase your chances of finding the cheapest car insurance for you.

What are the requirements for taking out temporary learner driver insurance?

Whilst the requirements for temporary learner driver insurance can vary from insurer to insurer, there are a few standard requirements that are fairly universal for insurers across the UK.

• You'll need to be at least 17 to take out a policy.
• You'll need a valid provisional driving licence.
• You'll need to be supervised by a qualified driver who is at least 25 years old and has held a full driving licence for at least 3 years.
• You'll need a road worthy car in order to take out a temporary learner driver policy.

Are there any exclusions for temporary learner driver insurance?

As with the requirements for taking out a learner driver policy, exclusions on your policy can vary from provider to provider.

• Driving on motorways - Many Insurers will not cover learner drivers on motorways.
• Driving times - There may be restrictions from your insurer on the time of day you'll be covered to drive.
• Driving with passengers - Insurers will not cover you if you are driving with passengers or without a supervisor.
• Any illegal use of your car - It goes without saying that driving under the influence of drugs or alcohol along with any other illegal activities will void your coverage.

There are also some additional requirements that learner drivers must follow to be legally able to drive on UK roads. These include clearly displaying L plates, not driving between the hours of 11pm or 7am, and not carrying passengers. You'll also need to be supervised by a driver who is at least 25 years old and has held a full driving licence for at least 3 years when not with a driving instructor. Failing to do any of these can invalidate your coverage and leave your vulnerable to penalty points and fines.

How to get cheaper temporary learner driver insurance

There are a few things that you can do to save on your temporary learner drivers insurance. These include choosing the right policy, not modding your car, increasing your voluntary excess. As a new driver you'll be limited in your ability to reduce your premiums due to your lack of driving history. However the easiest way to increase your chances of getting a cheaper temporary driver insurance policy is to simply compare multiple quotes. This is due to the fact that not every insurer will be the best option for a certain driver. As an example you may be offered cheaper insurance as a learner driver with an insurer who is the most expensive option for an older driver at that time.

Because of this you should always compare as many quotes as possible before committing to a car insurance policy.

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