Home / Insurance / Provisional Driver Insurance

Cheap Provisional Driver Insurance

Compare provisional driver insurance quotes now

Provisional Driver Insurance

Young Drivers Insurance

Enter vehicle registration number

Don't know the registration number?

Looking for cheaper insurance?

  • Search up to 105 different car insurance providers
    Quotezone increases your chance of finding a great deal by searching the market for you.
  • Over three million users
    Join our ever-growing list of satisfied customers today.
  • Buy online or by phone
    Purchase your car policy quickly and easily, monthly and annual payment options available.
  • Norton secured
    Our quote form uses 128-bit SSL encryption for your peace of mind.
  • You could save time and money
    Get your quotes by filling in one simple form, compare prices, and start saving.
  • Independent and unbiased service
    We aren't owned by or have any investment from any insurance company.

Cheap Provisional Driver Insurance

Compare car insurance for provisional drivers

If you’re the proud owner of a provisional licence you could choose to accompany a driving instructor every time you take to the roads, which would mean you wouldn’t need to take out your own learner driver insurance policy as you’d be covered by your instructor’s policy instead.


Car insurance for provisional drivers

However, when you’re a new driver it’s useful to clock up as many hours behind the wheel of the car as possible – practice really does make perfect.

With that in mind, many provisional drivers make the decision to supplement their time with a driving instructor with hours spent practising in a family member’s car.

If you plan to do that – or if you have your own car that you plan to use, instead of using a family member’s vehicle – you will need to take out provisional driver insurance.

Compare quotes for provisional driver insurance now

How to find cheaper car insurance when you’re a learner driver

Insurance for provisional drivers isn’t cheap, because the driver is completely inexperienced and has no track record of safe driving, but there are a few things new drivers can do to reduce the cost of their provisional car insurance.

  • Opt for short-term insurance: While some providers will be willing to offer provisional drivers an annual insurance policy if that’s what they’d prefer, these can prove to be prohibitively expensive. Since many learner drivers pass their test within six months of beginning to learn to drive, it’s likely to be more cost effective to opt for temporary learner driver insurance.
  • Become a named driver on a family member’s car (even if you own your own vehicle): If you’ve already bought (or been given) your own car in preparation for passing your test, it might be tempting to take out provisional driver cover for that vehicle. However, that would mean you would be classed as the main driver on the policy for that car, which can be a very expensive option. It’s usually cheaper to take out a learner driver policy for a family member’s car, since an experienced driver will then be the legitimate ‘main driver’ of that vehicle.
  • Opt to learn to drive in a car in a lower insurance group: If you do make the decision to buy a car that you’ll use to learn to drive in – or if your family members have a number of cars and you are able to choose which one you will use when learning to drive – it’s usually best to opt for a car in a lower insurance group, as this could reduce the cost of your premiums.

Beyond those steps, it’s important that you compare quotes from a wide range of providers when you’re learning to drive. That way you’re more likely to find the right provisional policy at a price that won’t break the bank.

Still, have questions about car insurance for learner drivers? There’s a good chance we’ve covered them below.
Are black box policies an option for learner drivers?

Yes, many companies that provide telematics insurance (or black box insurance, as it’s more commonly known) are willing to offer this type of policy to provisional drivers, and it’s definitely an option that’s worth exploring.

Telematics insurance can reduce a driver’s premiums by offsetting some of the risk associated with the fact that the driver doesn’t have a track record of safe driving, so this could be a useful option for learner drivers.

Are black box policies an option for learner drivers?

However, it’s important to bear in mind that the ‘black box’ that is installed in your vehicle will track every aspect of your driving, so this type of policy could prove to be even more expensive than regular provisional driver insurance if you break the speed limit or fail to obey other rules of the road.

Your telematics insurance policy could also be completely invalidated if your driving is deemed to be dangerous to yourself or other motorists.

Should I opt for a higher excess?

Provisional driver insurance usually isn’t cheap so many learner drivers are keen to lower their premiums as much as possible. Opting for a higher excess is one way to do this.

Since you’ll be agreeing to cover a larger share of the costs if you are ever involved in an accident most providers will offer you a slightly lower premium when you agree to increase your excess.

Of course, this does mean you will need to have some means of paying for your share of the cost if the worst does happen.

Should I opt for third party insurance?

Provisional drivers choose between the same three levels of cover as all other drivers: Third Party, Third Party, Fire and Theft or Fully Comprehensive Car Insurance.

Third Party is usually the cheapest since it offers the least comprehensive level of cover, so this is certainly an option for price sensitive learner drivers.

However, it’s important to bear in mind that Third Party cover will only cover the cost of damage to a third party’s vehicle if you’re involved in a road traffic accident that was your own fault. If you take out this level of cover you will have to fork out for any damage to your own vehicle yourself.

If I own my own car can I add an experienced driver in order to reduce the cost of my insurance?

A car insurance policy is usually cheaper if the main driver is experienced and has a No Claims Bonus, but if you’ve bought your own car in preparation for passing your test you shouldn’t add an experienced driver to the policy unless they really are the main driver. Doing this is known as ‘fronting’, and is a form of insurance fraud.

Compare car insurance for provisional drivers

If you’re the proud owner of a provisional licence you could choose to accompany a driving instructor every time you take to the roads, which would mean you wouldn’t need to take out your own learner driver insurance policy as you’d be covered by your instructor’s policy instead.


Car insurance for provisional drivers

However, when you’re a new driver it’s useful to clock up as many hours behind the wheel of the car as possible – practice really does make perfect.

With that in mind, many provisional drivers make the decision to supplement their time with a driving instructor with hours spent practising in a family member’s car.

If you plan to do that – or if you have your own car that you plan to use, instead of using a family member’s vehicle – you will need to take out provisional driver insurance.

Compare quotes for provisional driver insurance now

How to find cheaper car insurance when you’re a learner driver

Insurance for provisional drivers isn’t cheap, because the driver is completely inexperienced and has no track record of safe driving, but there are a few things new drivers can do to reduce the cost of their provisional car insurance.

  • Opt for short-term insurance: While some providers will be willing to offer provisional drivers an annual insurance policy if that’s what they’d prefer, these can prove to be prohibitively expensive. Since many learner drivers pass their test within six months of beginning to learn to drive, it’s likely to be more cost effective to opt for temporary learner driver insurance.
  • Become a named driver on a family member’s car (even if you own your own vehicle): If you’ve already bought (or been given) your own car in preparation for passing your test, it might be tempting to take out provisional driver cover for that vehicle. However, that would mean you would be classed as the main driver on the policy for that car, which can be a very expensive option. It’s usually cheaper to take out a learner driver policy for a family member’s car, since an experienced driver will then be the legitimate ‘main driver’ of that vehicle.
  • Opt to learn to drive in a car in a lower insurance group: If you do make the decision to buy a car that you’ll use to learn to drive in – or if your family members have a number of cars and you are able to choose which one you will use when learning to drive – it’s usually best to opt for a car in a lower insurance group, as this could reduce the cost of your premiums.

Beyond those steps, it’s important that you compare quotes from a wide range of providers when you’re learning to drive. That way you’re more likely to find the right provisional policy at a price that won’t break the bank.

Still, have questions about car insurance for learner drivers? There’s a good chance we’ve covered them below.
Are black box policies an option for learner drivers?

Yes, many companies that provide telematics insurance (or black box insurance, as it’s more commonly known) are willing to offer this type of policy to provisional drivers, and it’s definitely an option that’s worth exploring.

Telematics insurance can reduce a driver’s premiums by offsetting some of the risk associated with the fact that the driver doesn’t have a track record of safe driving, so this could be a useful option for learner drivers.

Are black box policies an option for learner drivers?

However, it’s important to bear in mind that the ‘black box’ that is installed in your vehicle will track every aspect of your driving, so this type of policy could prove to be even more expensive than regular provisional driver insurance if you break the speed limit or fail to obey other rules of the road.

Your telematics insurance policy could also be completely invalidated if your driving is deemed to be dangerous to yourself or other motorists.

Should I opt for a higher excess?

Provisional driver insurance usually isn’t cheap so many learner drivers are keen to lower their premiums as much as possible. Opting for a higher excess is one way to do this.

Since you’ll be agreeing to cover a larger share of the costs if you are ever involved in an accident most providers will offer you a slightly lower premium when you agree to increase your excess.

Of course, this does mean you will need to have some means of paying for your share of the cost if the worst does happen.

Should I opt for third party insurance?

Provisional drivers choose between the same three levels of cover as all other drivers: Third Party, Third Party, Fire and Theft or Fully Comprehensive Car Insurance.

Third Party is usually the cheapest since it offers the least comprehensive level of cover, so this is certainly an option for price sensitive learner drivers.

However, it’s important to bear in mind that Third Party cover will only cover the cost of damage to a third party’s vehicle if you’re involved in a road traffic accident that was your own fault. If you take out this level of cover you will have to fork out for any damage to your own vehicle yourself.

If I own my own car can I add an experienced driver in order to reduce the cost of my insurance?

A car insurance policy is usually cheaper if the main driver is experienced and has a No Claims Bonus, but if you’ve bought your own car in preparation for passing your test you shouldn’t add an experienced driver to the policy unless they really are the main driver. Doing this is known as ‘fronting’, and is a form of insurance fraud.

Customer Reviews

4.9/ 5

Based on 19 reviews on Reviews.co.uk

Read all reviews

  • ★★★★★

    Matthew Medcalf, 18-04-2019

    Great company and service easy and efficient to deal with

  • ★★★★★

    Anonymous , 04-12-2018

    Very good service

  • ★★★★★

    Anonymous , 16-10-2018

    Will definitely use quotezone in future saved me around 50% on my car insurance

Car Insurance Comparison