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Learner Insurance     Learner and New Driver Insurance

Motor Insurance is not a choice - it's a legal requirement for ALL Drivers

 

 





When taking driving lessons in a driving school vehicle, your driving instructor will have insurance cover which allows you to drive his or her car whilst you are on your driving lessons - however, if you have access to someone else's car, or have your own car that you can practice in, you must have motor insurance cover.

There are insurance companies that can provide specialist learner driver cover, but do be careful because, after you've passed your driving test, not all companies will continue to offer cover because the risks are higher as you will be driving without supervision - and those that will offer cover  often increase the premiums substantially!

When obtaining insurance quotations, always ask how much your insurance will increase to once you've passed your test! 

Alternative Option for Learner Drivers

It is possible to obtain Learner Driver Insurance that will cover you to practice in a family car without affecting the insurance or no claims status of the actual car owner! 

Another benefit of his type of insurance is that it's a very flexible method of insuring a learner driver as the policy can  be taken out for short periods - i.e. for one, two or three months - and can be renewed as often as required. 

The cost is cheaper than taking out a normal annual policy, and also cover is not restricted to any specific make or size of car - however, the car value is taken into account and there is a  maximum car value imposed.

After You’ve Passed Your Driving Test

Insurance is a very expensive commodity for young drivers - and there are insurance companies that now actually decline to quote for drivers under the age of 25!  - so how do you get your insurance cover when you're in the age bracket that the vast majority of insurance companies try to avoid. 

Here are some tips that may be beneficial in obtaining a lower motor insurance premium:

When you buy your car, go for the smaller engine size.

Check out cars in the lower rated insurance group.



Check out the premiums on the age of the car - sometimes buying a newer car will produce a lower insurance premium as some companies see a newer car as being safer for the occupants than an older one.



Do not automatically go for "third party" or "third party fire and theft" - you may be surprised by the small variance in premiums between these and a fully "comprehensive" quote!




Insurance companies are moving away from the "named driver" scenario - so it's now usually better to get your own policy than to be "added" to your parents' policy! - and if you do insure with the "named driver" method - check the small print very carefully (parents too!)



Consider if you will need to drive after 11.00p.m. at night - if not, why pay for it?  If you limit your driving hours you could save on your insurance premium!



If you are using comparison sites for your quotations - don't take them at face value - always check with the companies direct as well - there can sometimes be variants that will have an impact on your quote!



Once you have passed your driving test, consider taking the Pass Plus test too - some (but not all!) insurance companies give a discount when you produce your Pass Plus Certificate!

  

We often get asked who we recommend for the best Motor Insurance - and, after a lot of research, this is the best we found for any learner driver - and, in particular - Young Learner Drivers! 












 

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