Yes, a provisional licence holder can be added as a ‘named driver’ to an existing annual policy. Any changes to an existing policy should be discussed with the existing insurance provider. However, adding a provisional driver to an existing policy is likely to increase the price of the premium for the remainder of the policy year, and there may also be an administration fee.

That’s why we offer learner driver insurance, as it means learners don’t have to pay for a full year of insurance. And, most importantly, if they’re involved in an incident while borrowing someone else’s car, it won’t affect the no claims discount of the main policyholder.

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.

Yes, you can get insurance with a provisional driving licence. There are specific policies for learners - Provisional Driving Insurance or Learner Driver Insurance.

You can get learner driver insurance for a day, or up to 5 months. It only takes a few minutes to get a quote and you’ll be covered to drive within 15 minutes. Or you can buy now and defer your start date for up to 28 days.

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.

Yes. To supervise a learner driver, the right insurance needs to be in place. If you’re taking them out in your car, check that your existing insurance policy covers learner drivers and that you meet the criteria to supervise a learner. If it doesn’t, there is the option to take out a separate learner insurance policy alongside any existing car insurance. This can protect your No Claims Discount should the learner have an incident whilst driving your car.

Find out more about supervising a learner driver

Yes. You always need to have valid insurance in place before driving. If you’re taking professional lessons, you’ll almost always be covered by the driving instructor or driving school. However, if you’re learning privately, you’ll need to make sure you have provisional insurance in place. For driving your own car, you can take out specialist learner insurance. For driving someone else’s you can either be added as a named driver, if their policy covers learners, or take out a specific learner insurance policy. 

Find out more about learner driver rules

If the learner insurance policy is in your name and on your own vehicle, you can start to earn a No Claims Discount straight away. This can vary from provider to provider so check before you purchase.

This can vary from policy to policy so check before you buy. RAC Learner Driver Insurance is comprehensive.

Yes, as long as you’re taking your test in the car specified on the learner insurance policy. But please remember that cover stops as soon as you pass your test. You’ll need to make alternative insurance arrangements to drive the car back from the test centre.

Once you’ve passed your test, you’re a fully licensed driver and no longer a learner driver. With RAC Learner Driver Insurance this means that you won’t be covered to drive the car home from the test centre. You will need to arrange alternative insurance, even to drive back from the test centre. Remember it is illegal to drive without valid insurance.

No, as long they are between the age of 25-75 and have held a full UK 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.

If you have RAC Learner Driver Insurance in place, then you can make a claim without it affecting the no claims discount of the car’s owner.

More details on how to get in touch about your learner insurance policy can be found on our existing customer’s page.

Prices depend on the make and model of the vehicle, as well as your address, policy duration and payment method. It’s easy to get a quote here.

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.

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

RAC Learner Driver Insurance allows you to practice driving under supervision. That means you're only covered between 6am and midnight, even for emergencies. This restriction is there to reduce the risk of fraud and to keep our prices competitive for learner drivers.

However, if you’re driving in your own car, this curfew doesn’t apply. You’ll be covered to drive at any time of day.

You’re entitled to cancel your policy at any time. As long as there haven’t been any claims, or incidents likely to lead to a claim, you’ll be entitled to a refund of unused premium.

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’ll be entitled to a partial refund of premium. Please visit our Existing Customers page for further information.

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.