Are there any vehicles you won’t insure?

We will cover up to Insurance Group 40, with a current market value up to £40,000 and up to 7 seats. When you enter the registration number in the application form, you will be advised if we can provide cover.

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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Learner Driver Insurance

Q: Can I drive my own car?

Yes you can. The vehicle doesn’t have to be annually insured, and there is 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: Am I covered to drive at any time day or night?

Our products are designed to allow you to practice driving under supervision and so you may only drive between 6.00am and midnight. This restriction is in place to reduce the risk of fraud and to keep our prices competitive for learner drivers. If you are driving in your own car however, this curfew does not apply and you may drive at any time during the day.

Q: Does the accompanying driver have to be the vehicle’s owner?

No, as long they satisfy the licence criteria (see above). If you aren’t using your own car you must have permission from the owner.

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

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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.

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
The vehicle must

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.

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