Summary of Cover

RAC Learner Driver Insurance allows a learner driver with a UK Provisional licence to practise driving in a car they are borrowing or own without exposing the No Claims Discount (NCD) on the annual insurance policy on the car. Cover is available from 2 hours to 5 months (up to a maximum of 140 days). The Learner driver must be accompanied by a driver aged between 25 and 75 who has held a full UK licence for at least 3 years. No cover is available under RAC Learner Driver insurance between the hours of Midnight and 6am unless you are using your own car.

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Significant features and benefits



Cover if the car is written off or damaged as a result of accidental damage, fire, theft or attempted theft while the vehicle is in the custody and control of the learner driver  
Legal liability for death or injury to any person, including passengers  
Legal liability for damage to other people’s property (max £5m for any one claim)  
Legal costs, incurred with the insurer’s consent, in connection with a claim against the policy  
Medical expenses for anyone injured in the vehicle  
Cover includes sitting the customers driving test  

Significant and unusual exclusions or limitations

Your policy excludes some situations. Please refer to your policy document for full details but the most significant or unusual exclusions are outlined below. Your policy excludes or limits the following:

  • A compulsory policy excess of £250 applies to each and every claim
  • There is no cover under this policy for loss or damage which takes place between 00:00 and 06:00 hours
  • There is no cover under this policy unless the policyholder is being accompanied by a qualified driver who is aged between 25 and 75 and holds a full UK driving licence and has done so for at least 3 years
  • No cover exists under this policy unless the vehicle is also insured under a separate annual insurance policy if you are using a borrowed car
  • All cover under this policy ceases as soon as the policyholder passes their Driving Test to obtain a Full Driving Licence
  • There is no foreign use cover under this policy
  • There is no courtesy car provision under this policy
  • There is no driving other cars cover under this policy
  • No cover is provided to secure the release of a seized vehicle
  • No cover is provided for theft while the ignition keys have been left in or the vehicle has been left unattended with the engine running
  • No cover is provided for wear and tear, loss of use, deterioration, depreciation, any loss or damage which happens gradually, or mechanical, electrical, or computer breakdowns, failures or breakages
  • No cover is provided for damage caused by an inappropriate type of fuel being used
  • Cover does not apply if the car is being used for any purpose that the Certificate of Insurance does not permit
  • Cover does not apply if the car is in an unsafe, unroadworthy or damaged condition, or where the car does not have a valid Department of Transport test certificate (MOT), or if driven whilst declared SORN (Statutory Off Road Notification)


Inappropriate use (see General exceptions)

We will not pay for any accident, injury, loss or damage that occurs while your car is being used for a purpose not shown under the "Description of use" section of your certificate of insurance or while it is being driven by any person not described in your certificate of insurance as entitled to drive.


Other insurance (see General Conditions)

The policy excludes liability if any incident leading to a claim is covered under any other insurance policy.

For full details of our cover, download the full policy wording:

Important Policy Information

Policy document UK (PDF - 85kb)


The policyholder must:

  • Hold a current provisional UK driving licence
  • Be a permanent UK resident
  • Have an address shown on their provisional driving licence which matches the address on this insurance policy
  • Have had no claims or incidents likely to give rise to claims
  • Have no penalty points on their licence
  • Have had no motoring offences or convictions
  • Have not been convicted of any offence relating to fraud, robbery, theft, or handling stolen goods including any pending prosecution or police enquiry

Vehicle Criteria

To qualify for RAC Learner insurance, the car must:

  • be registered in the UK
  • have a current market value of less than £40,000.
  • have no more than 7 seats (including the driver's).
  • not have been modified
  • not be a Hire or Rental vehicle
  • not be a seized vehicle or in a police compound
  • not be used for the carriage of goods or passengers for hire or reward.
  • not be used to carry hazardous goods
  • not be used or driven at any hazardous location.

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