Learner Driver Insurance

Why choose Howden for Learner Driver Insurance?

Here at Howden, we pride ourselves on doing the heavy lifting for our clients, so they don’t have to. As an insurance broker, we make the process of comparing multiple learner driver policies, on your behalf, simple and easy, thanks to the great relationships we have with our selected panel of standard and specialist insurers. What’s not to like?

We have an arrangement with Marmalade, a specialist learner driver insurance provider. Our relationship gives our clients access to specialists in the market who will help find you the right policy for their learner driver needs.

Ultimately though, whether you need to purchase a new learner driver policy, renew an existing one, or need to make a claim, we’re always here to help.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

_{Our arrangement with Marmalade gives our clients access to specialists in the market who will help find you the right policy for their learner driver needs.}

Do learner drivers need insurance?

Whether learner drivers are practising in their own car or someone else's (such as a family member's car), they're required to be covered by some form of valid insurance.

If you're learning to drive in your own car, you'll need to make sure you have your own learner driver car insurance policy (also known as provisional insurance). If you're driving in someone else's car, you'll need to make sure you're covered as a learner driver under their standard car insurance policy.

If you're driving with a professional driving instructor, you don't need to worry about being covered as the cost of the car insurance is typically included in the fee you pay for your driving lessons, which should have been arranged by your instructor.

What does Howden’s Learner Driver Insurance cover?

So how does learner driver insurance work? As with most motor insurance, there are three levels of learner driver insurance you can opt for:

• Third-party insurance
• Third-party, fire and theft insurance
• Fully comprehensive car insurance.

So, what do these different levels of learner driver insurance actually cover?

Third-party

Third-party insurance covers any damage or injury that's caused to another vehicle or person because of your driving. Third-party doesn't include cover for any damage or injury caused to you or your own vehicle.

Third-party, fire and theft

Third-party, fire and theft includes all of the above and covers against any damage caused to your vehicle as a result of fire or if your car is stolen.

Fully comprehensive

This covers everything from the other two and also provides full cover for both you and the vehicle in the event of an accident, even if the accident was your fault.

Just be aware that some insurance providers only offer fully comprehensive cover to learner drivers. If you're looking for learner driver insurance, the first thing to do is to get in touch with us, and as an insurance broker we'd be happy to go over your options with you.

What isn’t covered?

Unfortunately, insurers can't cover learner drivers for everything, and it’s important that you’re aware of this to avoid being left exposed if you did need to make a claim.

Not all insurers are the same, but you could expect the following to not be covered under a learner driver insurance policy:

• Any driving done without a provisional licence.

• Any driving done under the influence of alcohol or drugs.

• For any claims made if the car was left unattended with the keys in the ignition.

• If a car is being taken out of an impound.

• If a learner driver drives a car outside of what's permitted according to the insurer.

We believe it's important that as an insurance broker we're as open and honest with you as possible when you come to ask us about policies, so that there is a clear understanding of what is and isn't included in the flexible learner driver insurance policies that we offer.

Am I eligible for learner driver insurance?

There are some criteria which need to be met in order to be eligible for learner driver insurance. For instance, as the driver you must:

• Be a UK resident between the ages of 17 and 50 years old.

• Be a provisional licence holder with no motoring convictions or penalty points.

Anyone supervising the learner during private practice must also:

• Be aged between 21 (some insurers require supervisors to be at least 25) and 75 years old.

• Have held a full UK driving licence for at least 3 years.

And the vehicle you're driving must:

• Be worth less than £40,000.

• Have no more than 7 seats, including the driver's seat.

• Have a valid MOT certificate and up to date road tax.

• Have clearly visible L plates with red lettering and a white background.

How much is Learner Driver Insurance?

As with all insurance, the price of learner driver insurance varies depending on several factors such as the model of car, how old you are, where you live, etc.

One of the key factors in determining the cost of learner driver insurance is the time you choose to get the policy for. Some providers offer policies that last as little as a single day, and most also have policies that cover a few months.

The longer policies are cheaper per day than the shorter ones. So, if you're planning to learn for a substantial period of time to maximise driving practice, then it may well be worth getting a longer policy for a better overall deal, rather than pay per day.

Five ways to save money on your learner driver insurance 

You'll be happy to hear that there are many ways you can save money on your learner driver insurance policy. You could:

Pick the right car

Of course, the more expensive the car you drive, the more expensive the insurance will be. Choose to learn in a manual car from a lower insurance group if you can. That way, you'll save money on the cost of your own policy.

Get your insurance policy for longer

It's far more cost-effective to get an insurance policy that lasts longer than it is to get multiple short policies. It's better to overestimate and be over-prepared than it is to underestimate your practice time.

Get insured on someone else's car

Getting insured on a family member's car or friend's car is far cheaper than setting yourself up as the main driver of your own car and then adding a named driver to your policy. It also protects the car owner's no claims bonus, allowing you to drive stress-free.

Install a black box

A black box measures your driving record and informs your insurer of how safe a driver you are. With black box insurance, if you have a clean record and then renew your learner driver cover, you'll likely see a reduction in your insurance costs as the insurer will see that you're a safe driver.

Shop around

There are always good deals available that offer good cover at reasonable prices. Going through an insurance broker gives you access to all the options available before settling on a policy, as there is likely to be a better deal out there if you go looking for it.

How to get Learner Driver Cover from an insurance broker

The first step you can take towards getting a learner driver insurance quote is by contacting us or visiting us in branch, and providing us with the following details:

• Your personal details - name, age and where you live

• Details about your driving history – have you been involved in an accident? Or made a claim over the last few years?

• Details about your car – registration number, age, make and model of the car

Once we have all the details we need from you, we'll start looking at policy options and quotes which we think would work best for you! We will then talk it through with you so that you are aware of all the options and can find the right solution to match your budget.

Who Howden work with

The great relationships we have with a wide range of trusted car insurance providers allows us to provide a service which supports each and every one of our learner driver clients.

The years of experience our team have working in the insurance industry has meant that Howden continues to be rated highly by our clients.

Claims

We’re here to assist you when it matters most.

Whatever’s happened to you or your car, we’re here to help. It’s part of our service to make sure that your claim is dealt with as quickly as possible and without any hassle.

MAKE A CLAIM

Do you need car insurance or motor trade insurance to support your business? Look no further than Howden for your motor insurance!

You can also read:

• Free MOT checker - Check a vehicle's MOT history
• Free Car Tax Check: Check if Your Vehicle is Taxed
• Car Insurance Groups [A Complete Guide]
• Car Insurance Group Checker
• Your guide to car insurance for 17 year olds
• Your guide to multi van insurance