United Kingdom
Get learner driver insurance from just £661 a year[1]
The legal minimum. Covers damage or injury to others—but not your own car.
Includes third-party cover, plus protection if the car is stolen or damaged by fire.
Offers the highest level of protection. Covers you, your vehicle, and any third parties.
Learning to drive typically takes around 45 hours of professional lessons and 22 hours of private practice (DVSA estimate), so consider how often you’ll be driving when choosing your policy type:
Ideal if you’ll be learning over several months. It’s the most common and often the most cost-effective option.
Perfect for flexible practice—available by the day, week, or month. Great if you’re only driving occasionally in the lead-up to your test.
A flexible option where you pay by the hour or day. Suitable for learners or low-mileage drivers who want control over their insurance costs.
Learner driver insurance—also known as provisional insurance—lets you practise driving in a friend or family member’s car without risking their no-claims discount (NCD).
It provides your own separate cover while you’re learning, whether you’re driving occasionally or regularly.
You can choose between:
Short-term policies – ideal for extra practice just before your test
Annual cover – great if you plan to practise over a longer period
It’s a flexible, affordable way to gain experience behind the wheel—with added peace of mind for you and the car owner.
Eligibility criteria can vary between providers, but here’s a general guide to who and what typically qualifies for learner driver insurance:
We compare deals from some of the UK’s most trusted insurers to help you find a great price.
Must hold a provisional UK driving licence
Be a permanent UK resident
Have no motoring convictions, penalty points, or disqualifications
UK-registered and roadworthy, with a valid MOT
Must not be modified
Typically less than 40 years old
Valued under £40,000
Not a hire or rental vehicle
Learner driver insurance can be costly, but there are a few ways to help keep your premium down:
Some cars are cheaper to insure than others. If you're practising in your own vehicle, opting for a model in a lower insurance group can significantly reduce your premium.
Telematics policies use a device or smartphone app to monitor how you drive—including your speed, braking, steering, and mileage.
Including a more experienced driver—like a parent or guardian—on your policy can sometimes reduce the overall premium.
The excess is what you’ll pay towards a claim. Choosing a higher voluntary excess may reduce your premium—but make sure you can afford it if you need to claim.
Prices can vary, so it’s always worth comparing multiple providers. At Clarity Compare, we make it easy to compare quotes side by side—so you can find the right learner policy at the best price.
Learner driver insurance can offer a range of protection while you’re practising behind the wheel. Depending on the level of cover you choose, it could include:
Accidental damage, fire, and theft
Covers repair or replacement if the car is damaged, stolen, or involved in a fire.
Third-party liability
Protects you if you injure someone or damage their property while driving.
Medical expenses
Helps with the cost of treatment if you or your passengers are injured in an accident.
Driving test cover
Some policies include cover while you’re taking your official driving test.
While learner driver insurance gives you peace of mind while practising, there are a few things it usually won’t cover:
You must always be supervised by someone who meets government rules for supervising a learner.
You need a provisional UK driving licence to be legally insured.
Like all car insurance, learner cover won’t protect you if you break the law.
Once you pass, your learner insurance becomes invalid. You’ll need to switch to a new driver policy before driving solo.
Yes—car insurance is a legal requirement for anyone driving in the UK, including learner drivers. You’ll also need a valid UK provisional driving licence.
If you’re learning with a professional driving school, insurance is usually included in the cost of your lessons.
But if you want to practise in your own car or someone else’s (like a friend or family member), you’ll need to arrange learner driver insurance.
Planning to take lessons in your own vehicle?
Make sure your policy allows for driving instruction with a qualified instructor—not all learner insurance policies include this.
At Clarity Compare, you can compare learner driver insurance quotes for drivers aged 17 and over—helping you find the right cover at the right price.
At Clarity Compare, we make it easy for provisional licence holders to find the right learner driver insurance—quickly and confidently.