Read our response to COvID-19 here.

Learner Driver Insurance

Top up as you go, from 2 hours to 5 months*
Main driver's no claims bonus protected.

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

Learner Driver Insurance

Want some extra practice behind the wheel?

RAC Learner Driver Insurance covers you to learn to drive in a friend or family member’s car or your own. It’s available from a few hours to a few months, and you can top up as you need. That way, you only pay for the cover you need until you have passed your test.

With us, your cover is always fully comprehensive. And for even more peace of mind, there’s no impact on the main driver’s no claims discount if you need to make a claim.
 

Say hello to flexible learner driver insurance from the RAC

Quick and easy

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

Flexible

Only pay for the cover you need, from 2 hours to 5 months*

Peace of mind

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

Benefits of learner driver insurance for you

  • Fully flexible: Buy a policy online 24/7 by the hour, day, week or month, from 2 hours up to 5 months*
  • Instant cover: You’ll be covered within 15 minutes – or up to 28 days in advance.
  • A range of cars: We’ll cover you in a wide range of cars, including most family cars. You can learn in vehicles up to £40,000 in value, with up to 7 seats, and up to insurance group 35.  
  • Learn in your car or someone else’s: You just need to make sure you have the owner’s permission. Read our advice for supervising a learner driver. 
  • No curfews: If you use your own car, you can drive at whatever time you like.
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Benefits of learner driver insurance for parents

  • No impact on your no claims discount: As this is a separate policy, your no claims discount won’t be impacted if there’s an accident while the learner driver’s behind the wheel.
  • No mid-term change fee: You could be charged a change fee for adding a learner to your own policy.
  • No increase to your policy cost: Adding a learner onto your existing insurance policy could increase the price.

What is learner driver insurance?

RAC Learner Driver Insurance is short-term car insurance cover to help provisional drivers get extra practice while they’re getting ready for their driving test. It’s a separate policy to the vehicle owner’s existing annual car insurance policy, and is fully comprehensive. You must be accompanied by a driver between the age of 25-75 who has held a full UK driving licence for at least 3 years.  


What our customers say

Our partners Dayinsure are rated 4.8 out of 5 on TrustPilot (01/02/2021). And we’ve been looking after motorists for over 120 years, so you know you’re in safe hands when you buy learner driver insurance from the RAC. 

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What's included with learner driver insurance?

For your peace of mind, RAC Learner Driver Insurance is fully comprehensive. Here’s what’s included:
 

  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 (up to £5million 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

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

Read our full policy requirements here.

Once you've passed your test, you'll be eligible to take our UK breakdown cover on your new vehicle.

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The 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.

Once you've passed your test, you'll be eligible to take our UK breakdown cover on your new vehicle.

Get a quote  

RAC Black Box Car Insurance

Passed your test? New and young drivers could pay less at renewal with RAC Black Box

Find out more   

Learner driver insurance explained

Q. How do I contact Dayinsure about my RAC Learner Driver policy?
More details on how to get in touch about your policy can be found on our existing customers page.
Q. How much does an RAC Learner Driver policy cost?
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
Q. How soon can cover start?
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. 
Q. Does the accompanying driver have to be the vehicle’s owner?
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.
Q. Can I drive my own car?
Yes you can. 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. What’s more, if you’re using your own car, our policies start from just 1 month’s worth of cover.
Q. Can I drive a different vehicle?
Yes, but you will need to buy a separate RAC Learner Driver policy for each car you wish to drive.
Q. Can I use an RAC Learner Driver policy to take my test?

Yes, as long as you’re taking your test in the car specified on the policy. But please remember 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.

Q. Can a provisional driver be added to an existing annual policy?

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 up 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. 

 
Q. Am I covered to drive at any time day or night?

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.

 
Q. Can I buy a policy if there is no annual cover on the vehicle?
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 policy.
Q. What if I cancel more than 14 days after the policy start date – can I get a refund?

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.

Q. Can I learn to drive during lockdown?

Please see our Covid-19 page for further information about driving in lockdown.

Q. Will my policy appear on the Motor Insurance Database (MID)?

We guarantee to update the Motor Insurance Database (MID) every 7 days and in some cases more often but we always 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.

Read more about the policy requirements of our Learner Driver Insurance

  

All the contact details you need to amend your policy, make a claim or discuss refunds

  
We also offer

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.

  

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

  

10% multicar discount for up to three additional cars so you can cover your whole family.

  

Pay-by-day car insurance from 1 hours-30 days

  

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

  

A new kind of car insurance for lower mileage drivers.

  
Learner guides and information

Learner driver rules are set out to keep the learner and other road users safe, whilst allowing them to gain the necessary experience to pass their driving test

  

Read our Supervising a Learner Driver Guide to ensure you meet all of the legal requirements

  

RAC Black Box Car Insurance helps young drivers save money by rewarding safe driving

  

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

  

A guide to the common ones you need to know

  

Majors and minors explained

  

You’ll need one before you start thinking about driving

  

What are they and should you take one?

  

* One month’s cover is classed as 28 days, so a 5 month policy runs for 140 days in total.

RAC Financial Services Limited act as an introducer to Dayinsure.com Ltd for RAC Learner Driver Insurance. RAC Financial Services Limited is registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Learner Driver Insurance is arranged and administered by Dayinsure.com Ltd, which is registered in England no. 4996289, registered office: Mara House, Tarporley Business Centre, Nantwich Road, Tarporley, Cheshire CW6 9UY. Both companies are authorised and regulated by the Financial Conduct Authority. RAC Learner Driver Insurance is underwritten by Aviva Insurance Limited. Registered in Scotland, No 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Aviva Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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