How to Get the Cheapest Learner Driver Insurance

Car insurance for provisional licence drivers explained

author image - cai

By Cai Bradley

on Tuesday 9 July 2019

Learner driver plate on red car

Driving – despite all its benefits – can be a financial burden well before you take the ‘L’ plates off, especially with learner driver insurance being so expensive. However, there are ways of reducing the cost, but which method is best generally differs from person to person, depending on their situation.

At Compare UK Quotes, we want you to experience the most enjoyable and affordable learning process, which is why we’ve compiled this article full of hints and tips to help you get the cheapest learner driver insurance for your needs.

How does learner insurance work?

There are a few different ways of getting car insurance for learner drivers, including the following options:

Car insurance and driving lessons 

Insurance is automatically included in the cost of most driving lessons, which means it’s similar to a ‘pay-as-you-go’ policy, where you only pay for cover over the duration of the lesson. If you’re confident that you’ll pass without having too many lessons, then this may be the best option for you.

However, you won’t be able to practice driving in your own time or in your own vehicle until you pass.

You might, therefore, take longer to pass your test – which means that you’ll be paying for more lessons and the overall cost may surpass that of getting insurance, practicing in your own (or parents’) car and passing more quickly.

Regardless, on the surface, it is the cheapest way to insure a learner driver, but whether or not it’s the most suitable depends on your personal driving ability and confidence of passing without practicing on the road in your own time.

Temporary or short-term car insurance

If you want to drive your own car or someone else’s car as a learner, you can do so (as long as you’re accompanied by a full-licence holder) by opting for a specialist short-term car insurance policy.

Three to six months of cover is recommended while you’re learning, but consider your personal driving ability and be realistic when determining how long it should take you to pass.

Initially, it may not seem as cheap an option as learning through lessons alone, but you are likely to pass quicker if you practice in your own time, which means it could work out as a less expensive route to take.

Individual full car insurance (annual)

You could also take out full annual cover and then cancel it or update the policy when you pass. People that use this method generally cancel their policy once they receive their full licence, as premiums usually rise significantly for new drivers and they can get a better deal elsewhere.

However, be aware when cancelling insurance policies, as you will be charged a cancellation fee and your premiums could rise in the future as a result.

Named driver insurance on someone else’s car

Being a named driver essentially allows you to drive someone else’s car – your parents’ for example – with far less expensive premiums than if you were the main driver. It’s a suitable form of insurance for those without their own car and it’s a cost-effective way of being able to practice driving outside of lessons. 

If you can live without your own car, it’s far more affordable than taking out main driver insurance (whether it’s temporary or annual), and it is an option many provisional licence holders opt for.

One concern is that the main driver’s premiums may increase with you added to the policy in some cases, so be sure to check the terms of the contract with the provider beforehand.

As you may have noticed, which insurance method is best for you depends on a variety of factors, including your personal driving ability, how long you’ll take to pass, and so on.

It’s therefore important that you weigh-up the situation before committing to any type of insurance, and remember that there’s no simple way of determining what option is the cheapest way to insure a learner driver (without details regarding your personal situation, at least).

Car insurance fronting

Fronting may sound similar to becoming a named driver, but it’s very different and is considered totally illegal. It basically refers to someone being labelled the main driver of a policy (a parent, for example) when they aren’t, in order to cut the cost of premiums.

If you’re caught fronting, you risk being hit with pretty severe consequences – you could get points on your licence, may have to pay higher premiums in the future, and probably won’t be able to claim after an accident as your insurance will be invalid.

Learner driver car insurance cost

Provisional car insurance is notoriously expensive, and it has been reported that it can cost up to 18% more than cover for full-licence holders.

The cost of car insurance for learner drivers, similarly to policies for those with full licences, is impacted greatly by the type of car you drive.

Cheapest learner cars to insure

You should be careful when choosing which model car you learn in, as this can have a huge impact on the cost of your premiums.

All cars are categorised into groups from one to 50 in relation to how expensive they are to insure, with category one being the cheapest and 50 being the most expensive.

New drivers are encouraged to choose cars within groups one to three, in order to receive the most affordable premiums from providers.

It’s also worth noting that you really should avoid performance-enhancing modifications – unless you want to risk paying over-the-odds for your insurance. For example, a full body kit increases the cost of your car insurance by around 10-12% on average.

Car insurance for learner drivers with their own car

While it’s definitely possible to get learner driver insurance on your own car, there are some providers in the UK that don’t allow it.

With certain insurers, you may be required to take out “new drivers’ insurance”, rather than a learner policy. It differs with each provider, so ensure that you know exactly what your insurance covers before you commit to a policy.

How to get cheap learner driver insurance

Here’s a summary of our top tips to help you get the best learner driver insurance in the UK:

If you’re happy to use someone else’s car rather than your own, it’s usually cheaper NOT to be the main driver. Just be wary of the rules in terms of fronting, and ensure you’re only listed as a named driver if you are not the primary user of the vehicle.
If you have your own car, get an experienced, low-risk named driver on your policy to reduce premiums.
Learn in a car that has no performance modifications, and check its insurance group before you take out a policy.
Check each provider for specific learner driver car insurance – it might be worth getting a short-term, specialist policy if you’re confident of passing within three to six months.
Security-enhancing modifications (such as alarms, dash-cams and immobilisers) could reduce your premium.

Cheap learner car insurance is out there – or at least cheaper than you might think – so compare, shop around and test the waters before you sign on the dotted line!

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