Learner Driver Insurance Comparison

learner driver insurance on parents’ car

Getting a new car can be costly, and for many young drivers coughing up this money whilst still learning is near impossible. That’s why it is popular for many learners to use their parents car. But you’ll still need to be insured.

If you’re keen to pass your test as quickly as possible, you’ll probably want to clock up as many hours behind the wheel as you possibly can, which usually means supplementing your instructor-led training with time spent practicing in a friend’s or family member’s car.

In that case, you’ll need to bite the bullet and take out cover for learner drivers.

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I’m not sure how long it will take me to pass my test – should I opt for an annual policy?

If you take out an annual policy it’s sometimes possible to cancel early if you no longer need the cover. It’s important to bear in mind that most insurers will charge a cancellation fee, though, so before you sign up for a yearly cover consider how likely you are to pass your test in a shorter timeframe, as well as factoring in what the fee is likely to be if you cancel early.

Do I need insurance if I’m driving my parents car?

Yes, you’ll need to be covered for any car you drive on UK roads even if it is your parents car. In fact you can be stung with £300 worth of fines and 6 penalty points. You may even go to court if it goes far enough so don’t risk your life behind the wheel before it’s even started. 

What level of cover should I opt for?

Drivers have three levels of cover to choose from: Third Party, Third Party, Fire and Theft or Fully Comprehensive Car Insurance.

Third Party insurance is usually cheaper than the other two, so this might be worth considering if the quotes you’re offered for third party, fire and theft and fully comprehensive are beyond your budget.

However, it’s important to bear in mind that third party insurance will only cover the cost of damage to a third party’s vehicle if you’re involved in an accident that was your own fault.

The best option is to compare quotes for all three levels of cover, and then opt for the one that offers the most comprehensive coverage at a price you can afford.

Should I opt for a higher excess?

A higher excess is worth considering because it will usually mean you won’t have to pay as much upfront.

This does mean you’ll be lumbered with a larger share of the bill if you are ever involved in a road traffic accident, though, so it’s important to consider how you would cover this cost if you opt for a higher excess and then the worst does happen.

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