Learner driver insurance
Want some extra practice with learner insurance?
Learn to drive with our RAC Learner Driver Insurance. Whether it’s your car, or a friend’s or a family member’s – we've got you covered. With options from one day to five months, our flexible top-up system is suitable for all new drivers seeking learner insurance. That way, you only pay for the cover you need until you’ve passed your test.
Our learner driver insurance 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 while driving their car.
Say hello to flexible learner driver insurance from the RAC
How does learner driver insurance work?
Car insurance for learner drivers allows you to take out cover separately to the vehicle owner’s existing annual car insurance. So, if you have an accident it won’t impact their no claims discount. However, our policies can also cover you to drive in your own vehicle.
Q. What is learner driver insurance?
Learner driver insurance provides short-term provisional insurance for 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 time.
If you’re driving your own car, you’ll be able to drive the vehicle at whatever time suits you, unlike telematics policies that impose a curfew.
When you’re ready for the big day, you’ll be covered by your learner insurance policy.
Q. Who can supervise me when learning to drive?
Anyone who has held a full UK 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 not use their mobile phone while you’re driving, and they can’t be under the influence of alcohol or drugs. This includes prescription medication that prohibits driving. Your instructor must also not accept payment unless they’re an approved instructor.
Q. What is the cheapest way to insure a learner driver?
Learner driver policies are flexible in length, so only pay for what you need. You can insure from 1 day to 5 months.
|Daily learner insurance||Weekly learner insurance||Monthly learner insurance|
|1 day £16.65||1 week £35.51||2 months £116.96|
|2 days £20.22||2 weeks £43.03||3 months £157.93|
|3 days £23.63||3 weeks £53.79||4 months £216.59|
|6 days £34.47||4 weeks £75.84||5 months £254.40|
What's included with learner driver insurance?
RAC Learner Driver Insurance is fully comprehensive. Here’s what’s included:
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.
Read our full policy requirements here.
How do I get learner driver insurance?
Get learner insurance for your own car
- Fully flexible: buy a policy online 24/7 and get learner insurance for a day, week, or month, from 1 day 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. See our vehicle eligibility criteria.
- 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.
Benefits of learner driver insurance for your supervisor
- No impact on your no claims discount: as this is a separate policy, your no claims discount won’t be impacted if the learner has an accident whilst driving your car.
- No increase to your policy cost: adding a learner onto your existing insurance policy could increase the price.
- No mid-term change fee: you could be charged a change fee for adding a learner to your own policy.
Download the Driving Theory Test App
With the 2023 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. Download the app on both IOS and Google Play below.
What our customers say
Our partners Dayinsure are rated 4.7 out of 5 on TrustPilot (04/11/2022). 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.
Learner driver insurance explained FAQs
Q. Can I add a learner driver to my insurance?
Yes, you can get learners insurance with a provisional driving licence. RAC Learner Driver Insurance is designed specifically for drivers with a provisional licence. Get a quick quote.
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.
Q. What is the difference between provisional insurance and learner insurance?
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.
Q. Can I get learner insurance with a provisional licence?
Yes, you can get insurance with a provisional driving licence. RAC Learner Driver Insurance is designed specifically for drivers with a provisional licence. Get a quick quote.
Q. How much is learner insurance for a day?
You can get learner driver insurance for a day, or up to 5 months, if you’re using a car that’s already insured with an annual policy. 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.
If the car you’re planning to use isn’t already insured annually, cover starts from 1 month.
Q. Can I buy a learner driver insurance 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 Insurance policy.
Q. Do I need insurance to supervise a learner driver?
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
Q. Can a learner driver without insurance?
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
Q. Does learner insurance count as no claims?
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.
Q. Does comprehensive insurance cover learner drivers?
This can vary from policy to policy so check before you buy. RAC Learner Driver Insurance is comprehensive.
Q. Can learner driver insurance be used to take my test?
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.
Q. What happens to provisional insurance when you pass?
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.
Q. Can you get temporary provisional insurance?
If you hold a provisional licence, you can get a short-term, flexible learner driver insurance policy. RAC Learner Driver Insurance can be taken out from 1 day up to 5 months. You can manage the policy online to top up if you need to.
Q. What is the cheapest insurance for an 18 year old?
The cheapest insurance cover will depend on your personal circumstances. You should always shop around. There are specialist types of insurance aimed at helping young, qualified drivers save on their insurance. Black box car insurance monitors how you drive and rewards safe driving with lower premiums at renewal.
Q. Is it worth getting provisional insurance?
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. If you're involved in an accident whilst learning in a car that isn't yours, the no claims discount of the vehicle owner won't be affected.
Q. What insurance does a learner driver need?
If you're learning to drive in your own car, you'll need to take out your own learner driver insurance policy. The person supervising you is usually covered on this. If you're practicing in someone else's car, you'll need to make sure you're either added to their policy as a named driver or that you take out a separate learner driver insurance for that car.
Q. Is learner driver insurance different to normal insurance?
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.
Q. Is my car insured for a driving test?
RAC Learner Driver Insurance covers you for taking your test in your own car. However, if you pass your test you'll need alternative insurance to drive your car home as you will no longer be a learner driver.
Q. Why is insurance higher for 17-year-olds?
Car insurance often costs more for 17 - 25 year olds because they are seen by insurers as posing a higher risk, often due to lack of experience. Statistically, they are more likely to be involved in an accident.
Q. Can you get pay as you go learner insurance?
With RAC Learner Driver Insurance, you can book as much or as little insurance as you need (from just 1 day up to 5 months), and be insured and on the road in 15 minutes.
Q. Is insurance more expensive for learner drivers?
Learner driver insurance is usually cheaper than insurance for a driver who’s just passed their test, because you’re being supervised by another qualified driver.
Q. Can you get learner insurance on a car with a black box?
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.
Q. Can I get provisional insurance for a month?
Yes, you can get learner driver insurance on your provisional license from as little as a day to as long as 5 months – so just a month is fine.
Learner Driver insurance policy FAQs
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 two learner drivers be insured on the same car?
Yes, but each learner driver will need to have a separate learner insurance policy.
Q. Will it affect the car owner's no claims bonus if I claim?
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.
Q. How do I contact the RAC about my learner insurance policy?
More details on how to get in touch about your learner insurance policy can be found on our existing customer’s page.
Q. How much does an RAC Learner Driver Insurance 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. Will RAC Learner Driver Insurance cover me in my own car?
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.
Q. Will RAC Learner Driver Insurance cover me to 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. 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. 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. 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 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.