Personal
Van
Business
Sales0330 159 1111

Learner driver insurance

Kickstart your driving journey with flexible learner driver insurance – comprehensive cover from 1 day to 5 months1

  • No claims protected – for the main driver
  • Fully comprehensive – provisional insurance from a brand you can trust
  • Flexible – get on the road in 15 minutes and top up online
Get a quick quoteI'm already a customer

1One month’s cover is classed as 28 days, so a 5 month policy runs for 140 days in total. Cover from 1 day applies to cars that are already insured with an annual policy, otherwise policies start from 1 month.

1One month’s cover is classed as 28 days, so a 5 month policy runs for 140 days in total. Cover from 1 day applies to cars that are already insured with an annual policy, otherwise policies start from 1 month.

Existing customer? Log in to manage your account 24/7

Insurance

What is learner driver insurance?

Learner driver insurance provides short-term provisional insurance for new drivers. It covers you for both private lessons and practicing before you take your driving test. With the RAC, you can take out learner insurance for 1 day, or for as long as 5 months, depending on how long it takes you to pass. If you do find yourself needing to top-up your learner driver insurance, then don’t worry, as you can do this online at any time3.

If you’re driving your own car, you’ll be able to drive the vehicle at whatever time suits you, unlike some telematics policies that impose a curfew. Importantly, this insurance helps protect the car owner's No Claims Bonus.* If you were added to their policy and had an accident, it could impact their bonus.

We’ve teamed up with Dayinsure to offer learner drivers flexible, comprehensive insurance. So, you can focus on learning to drive without the worry.

How does it work?

Select your duration

First, choose the length of your provisional insurance. We offer any duration from 1 day up to 5 months fully comprehensive!

A person typing on a computer

Enter your details

Fill out some details about yourself and the vehicle you’ll be driving to get your quote.

Someone learning to drive with their parent

Get practicing

Once you’ve paid for your insurance, you’ll be able to start driving in as little as 15 minutes!

A learner shaking hands with an examiner after passing their test

Pass your test

Next, pass your theory and practical test. Once you’ve done this, you can easily upgrade your insurance while keeping your no claims.

Do all learners need this insurance?

In the UK, anyone driving on public roads, including those with a provisional licence, must legally have valid car insurance. Most driving schools include insurance in their lesson fees. This means learners are covered during lessons with an instructor. However, if you want to practise driving outside of lessons in your own car, you’ll need to get separate learner driver insurance. If you learn in someone else’s car, make sure their insurance policy covers you as a learner driver. This could be by adding you as a named driver on their car.

If you’re using your own car for lessons with an instructor, make sure your learner insurance covers it. Not all policies do. Driving without insurance can lead to a £300 fine and 6 penalty points. More serious penalties may apply if it goes to court.

Am I eligible?

As the driver, you must:

hold a current provisional GB driving licence

be a permanent UK resident

have an address shown on your provisional driving licence which matches the address on your provisional insurance policy

have had no more than one non-fault claim, zero fault claims, and have had no incidents likely to give rise to a claim.

have no penalty points on your 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

Your vehicle 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

Read our full policy requirements here.

Important note: once you’ve passed your test, you’ll no longer be covered by Dayinsure’s provisional learner insurance to drive home from the test centre. New drivers can save on their insurance with black box car Insurance.

How much does it cost?

The cost of learner insurance will vary depending on your situation and vehicle. These prices2 are an average cost guide:

Daily learner insurance

1 day – £20.01
2 days – £23.54
3 days – £26.47
4 days – £31.65
On average, save up to 76% when you choose a 1-week policy vs 7 x 1-day policies*

Weekly learner insurance

1 week – £36.41
2 weeks – £47.25
3 weeks – £55.75
4 weeks – £81.80
On average, save up to 44% when you choose a month (4-week) policy vs 4 x 1-week policies*

Monthly learner insurance

1 month (28 Days) – £81.80
2 months (56 Days) – £117.02
3 months (84 Days) – £155.20
4 months (112 Days) – £199.55

*These potential savings have been calculated using the average sold price for 7 individual 1-day policies compared with an individual 7-day policy. The potential monthly saving has been calculated using the average cost of 4 individual 7-day policies compared to an individual 28-day policy (1 month cover). The data was gathered for policies sold between 01/03/24 and 31/10/24. Prices for these policies will vary based on an individual’s risk information, therefore, actual savings may vary.

What’s covered?

RAC Learner Driver Insurance is fully comprehensive. You’re also covered with learner insurance when sitting the driving test, providing that you use the same vehicle. However, the cover stops when you pass your test, so you’ll need to plan alternative arrangements when getting the car back from the test centre. You can also add optional extras to your learner driver insurance, for example short term breakdown cover.

Here’s what’s included as standard with our learner insurance:

Cover if your car is damaged or stolen

We’ll cover your car if it’s written off, and for accidental damage, fire, theft or attempted theft.

Legal liability

Legal liability if another person is injured or dies, or their property is damaged (up to £5 million per claim).

Medical expenses

We’ll provide medical expenses if you or any person in the vehicle is injured because of the car being involved in an accident.

Sitting the driving test

Your insurance stays active while you take your driving test. This means you’re covered if something happens. If you pass, you need a new policy before driving.

Vehicle recovery

We’ll provide vehicle recovery to a single address within the territorial limits if the insured driver becomes seriously ill and needs treatment.

Personal belongings

Up to £150 towards personal belongings if they’re stolen or damaged in a fire.

Ignition keys

If your ignition keys are damaged or stolen, we’ll replace them if the cost doesn’t exceed your car’s market value.

Read our full policy requirements here.

Why choose RAC Learner Driver Insurance?

RAC recovery rate icon

Quick and easy

Buy online 24/7 and your cover's active within 15 minutes

RAC savings icon

Flexible

Only pay for the learner car insurance cover you need, from 1 day to 5 months1

No impact on no claims

There's no impact on the main driver's no claims discounts

Fully comprehensive

All learner insurance with the RAC is fully comprehensive as standard

What customers are saying about our partner Dayinsure on Trustpilot

Our partners Dayinsure have a 4.7 rating with over 58,000 reviews on Trustpilot (30/05/2025).

Learner driver insurance explained FAQs

If the learner driver is practicing with you in their own car, they can take out learner driver insurance and you'll be covered to supervise them. If they're driving your car, you'll need to have them named on your car insurance policy. Find out more about learner driver rules and supervising a learner driver.

Provisional driving insurance is another term for learner driver insurance. They do the same thing: cover you for any driving practice you have before you pass your test. If you’re practicing in your own car, you’ll need provisional or learner driving insurance. If you’re using a friend or family member's car, you need to make sure their insurance policy covers you as a learner driver. If not, you’ll need to take out your own separate learner insurance. This can be done alongside their existing car insurance. With an RAC Learner Driver Insurance policy, the no claims discount of the car owner won’t be affected if you need to make a claim.* Learn more about our learner policy.

Only if you are driving your own car. If you are using someone else’s car, an existing annual insurance policy must be in place for that vehicle for the duration of your RAC Learner Driver Insurance policy.

This can vary from provider to provider so check before you purchase. Please note that earning no claims discount as a learner driver is only possible on annual policies, not temporary learner cover.

This can vary from policy to policy so check before you buy. Fully comprehensive insurance on a standard car policy doesn’t usually cover learners. You might need a separate insurance for learner drivers.
All RAC Learner Driver Insurance policies are comprehensive.

Provisional insurance allows you to get valuable practice behind the wheel before your test, under supervision from someone over 25. RAC Learner Driver Insurance can be taken out for as little as a day up to 5 months, so you only have to pay for exactly what you need. Please see our eligibility criteria.

Car insurance for learner driver insurance is different to a standard car insurance policy in a number of ways. For example, Learner insurance is specifically for drivers who have not yet passed their test, and so must learn with a qualified driver present in the car. There are also restrictions for the driver, vehicle type and usage.
RAC Learner Driver Insurance isn’t an annual policy, it can be taken out from a day up to 5 months, as required. If it’s taken out on someone else’s car and you make a claim, the no claims discount of the owner won’t be affected.

Yes, having a black box on the car shouldn’t affect your learner insurance. But you may need to check with the black box insurer that your driving practice won’t affect their driver score.

Anyone who has held a full GB driving licence for over three years and is aged between 25-75 can supervise you if you've taken out provisional driver insurance. This could be a parent, family member, or friend. When supervising a learner driver, there are several important things to be aware of. Your supervisor must be qualified to drive the type of vehicle you want to learn in – a manual car, for example. They must not use their mobile phone while you’re driving, and they can’t be under the influence of alcohol or drugs.

Learner Driver insurance policy FAQs

No, as long as they are between the age of 25-75 and have held a full GB driving licence for at least 3 years. If you aren’t using your own car, you must have permission from the owner.

Yes, but each learner driver will need to have a separate learner insurance policy.

Yes, it will. The vehicle doesn’t have to be insured annually, and there’s also no curfew, so you can drive at whatever time of day you like.

Please note that if your vehicle isn’t already insured annually, cover starts from 1 month.

Yes, but you will need to buy a separate RAC Learner Driver policy for each car you wish to drive.

You’re entitled to cancel your policy at any time. If you cancel the policy before cover has started you’ll be entitled to a full refund of your premium. If you cancel the policy after cover has started, you may be entitled to a partial refund of premium. Refunds are subject to no claims made on the policy, or incidents likely to lead to a claim.

We guarantee to update the Motor Insurance Database (MID) every 7 days and in some cases more often, but we recommend always having a copy of your Insurance Certificate with you during the period of cover. You can drive the vehicle legally between the dates and times shown on the insurance certificate issued to you.

Need help with your theory test?

With the 2024 Driving Theory Test App you’ll have access to hundreds of practice theory mock exams and hazard perception tests. Get all the theory test practice you need and track your progress with your own personal statistics tab.

Driving Guides

Learner driver tearing up "L" plates

How to pass your driving test

Our comprehensive guide offers all the information you need to pass your driving test in five steps - from complete novice to qualified driver Find out more

What does that road sign mean?

A guide to the common ones you need to know.

What is a driving test fail?

Majors and minors explained.

Page reviewed by: David Buxton

Car insurance plus

Our comprehensive car insurance plus is packed with features and benefits and has a Defaqto 5 Star Rating.

Find out more

Black box insurance

Black Box Insurance saves new and young drivers money by rewarding safe driving.

Find out more

Temporary car insurance

Pay-by-day car insurance from 1 hour to 30 days.

Find out more

Young driver insurance

Find out how young drivers could save money with RAC Black Box Insurance.

Find out more

Motorbike insurance

Motorbike Insurance UK from the RAC, bringing competitive motorcycle insurance quotes online with the optional extra of Motorbike Breakdown Cover for your quote.

Find out more

Classic car insurance

Specialist insurance for your classic car with free agreed value cover at no extra cost.

Find out more

Car insurance

RAC Car Insurance covers you if your car is damaged, vandalised, stolen or catches fire. We find customers our most competitive car insurance quotes from our panel of selected insurers.

Find out more

Breakdown cover

Having breakdown cover means help is at hand 24/7 if your vehicle breaks down in the UK.

Find out more

Mobile mechanic

Book a service or repairs at your home or work.

Find out more