Practice cover from one hour to 24 weeks

Temporary Learner Driver Insurance

A comprehensive policy for practising on a provisional licence in a car that normally already has its own annual insurance, by the hour, the day, the week or the month, with the owner’s no claims discount untouched.

1 hour to 24 weeks, from 17
Owner’s no claims untouched
Sits beside the owner’s policy
Supervisor on every drive

In partnership with GoShorty

FCA-regulated cover

Every policy is arranged by an authorised UK insurance broker
1 hour to 24 weeks

By the hour, day, week or month, up to six months on one policy
Certificate emailed to you

Your policy number and documents, minutes after paying
MID updated four times a day

So a roadside check shows the vehicle as insured

What Is Temporary Learner Driver Insurance?

Temporary learner driver insurance is a comprehensive policy that covers a provisional licence holder practising in a car that normally already has its own annual insurance, for anything from one hour to 24 weeks.

It exists for the ordinary arrangement: a parent, relative or friend has a car with an annual policy, and you want to practise in it between lessons. Rather than being added to their annual policy, which can raise their premium and puts their no claims discount in the way of your mistakes, you buy a separate learner policy for the hours, days or weeks you need. The policy has its own certificate and policy number, and the owner’s insurance carries on as if you were never there.

It is built around a qualified supervisor beside you on every drive, and normally the car’s own annual policy underneath. It is the learner form of temporary car insurance, written for a provisional licence rather than a full one.

How Do You Get Temporary Learner Driver Insurance?

Enter the car’s registration, add your provisional licence and your supervisor’s details, choose hours, days, weeks or months, then read the declaration and the policy wording before you pay.

1
Enter the registration

Use the registration of the car you will practise in. It normally already has an annual policy in force, and whether the insurer requires one is in its criteria; it must be a car: vans, motorhomes, minibuses and taxis are outside this product.
2
Add your details and your supervisor’s

Your provisional licence and address, and the licence details of the person who will sit beside you. A learner with no points, no claims and no pending prosecutions is what the declaration asks for, so have that confirmed before you start.
3
Choose the length

Hourly from one to 24 hours, daily from one to 28 days, weekly from one to four weeks, or monthly up to 24 weeks. A fortnight of daily practice before a test is a very different shape from six months of Sunday drives, so choose for how you will actually practise.
4
Read the declaration, then buy

The quote ends with a declaration you confirm: the car, the supervisor, your record. Read it slowly, because the policy only responds when it was true. The certificate lands in your inbox the moment you pay, and that certificate is the proof of cover, not the quote. Do not start the car until you have it.

Which Lengths Are Available?

Four lengths cover the four ways people actually practise: an hour for a single session, days for the run-up to a test, weeks for steady practice, and months for a learner on a term or a long run of lessons.

The starting prices are the lowest sold between December 2025 and May 2026, and they are floors, not typical prices. A policy that runs out mid-practice cannot be extended, only bought again.

Length	Runs for	Typical use	Published starting price
Hourly	1 to 24 hours	A single supervised session, or a drive to the test centre	From £15.07 for one hour
Daily	1 to 28 days	The fortnight before a test, or a visit home from university	From £24.52 for one day
Weekly	1 to 4 weeks	Regular practice every evening or weekend for a month	From £63.18 for one week
Monthly	Up to 24 weeks	A learner practising across a term or a six month run of lessons	Priced on quote

Ready when you are

See what your practice would cost.

Just the registration to begin. Fully comprehensive, one hour to 24 weeks.

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What Are the Supervisor Rules?

GOV.UK’s minimum is a supervisor over 21 who has held a full licence for three years and is qualified for the car. The insurer’s declaration at purchase is stricter, usually over 25 with no drink or drug driving conviction in five years, and the stricter rule is the one the policy depends on.

GOV.UK sets out the rules for practising with family or friends: the supervisor must be over 21, qualified to drive the type of vehicle you are learning in, and have held their full licence for three years. You can be fined up to £1,000 and get up to six penalty points on your provisional licence for driving without the right supervision, and it is illegal for the supervisor to use a mobile phone while supervising you.

The declaration you confirm when buying typically goes further: a supervisor aged over 25, a full UK, EU or EEA licence held for three years or more, resident in the UK for two years, and no DR conviction for drink or drug driving in the last five years. You are covered only while that person is in the passenger seat and you are being supervised to learn. If the declaration was not true, the policy may not respond, which is the whole of the risk in this product.

What the supervisor is covered for

Almost nothing, by design. The policy covers the learner. The declaration extends cover to the supervisor only to complete a specific journey in an emergency, if you cannot continue driving, or to return the car home or to the test centre after you have passed. For any other drive, the supervisor needs their own cover on that car.

L plates and the motorway

L plates, or D plates in Wales, front and back whenever you drive, and off when a full licence holder is driving. No motorway practice with family or friends; that is only lawful with an approved driving instructor in a dual-control car, and the policy does not change the law.

Can You Practise in Your Own Car, or a Parent’s?

Both. The car normally already has an annual policy in force, and whether the insurer requires one is in its criteria. Learner cover sits alongside it; it never replaces it.

A parent’s or friend’s car

The common case. The owner keeps their annual policy and their no claims discount, and you carry your own risk on a separate certificate. Most owners who hesitate to add a learner to their policy will agree to this, because a claim lands on your policy, not theirs. The declaration sets a value limit on the car, and it is lower than the limit on ordinary temporary cover, so a dearer family car may fall outside it; the quote tells you as soon as the registration is in.

Your own car

Allowed, and the car is normally already insured annually, for example on a policy in a parent’s name with you as the keeper. A car with no annual policy of its own may be outside the criteria, and a car kept on the road without insurance is an offence under continuous insurance enforcement unless it has been declared SORN. If you own a car that is not yet insured, arrange the annual policy first and the learner cover second.

Cars that are excluded

Vans, lorries, minibuses, motorhomes, horseboxes, taxis and tippers; vehicles with more than seven seats; left-hand drive; modified cars, which includes lowered suspension, body kits, remaps and tinted windows; and cars recorded as a category A or B insurance write-off. Hire cars are excluded too. Enter the registration and see before you plan around a specific car.

What Does Temporary Learner Driver Insurance Cover?

Comprehensive cover for the learner while supervised: damage to other people and their property, damage to the car you are driving, fire and theft, with the owner’s no claims discount untouched.

Cover for you and the car

Third party liability for injury and damage to others, which every UK motor policy must carry, plus damage to the car itself, fire and theft, subject to the excess. Social, domestic and pleasure use including commuting to one place of work or study; no hire and reward, racing, track days or carrying goods for payment.

The excess

Learner policies carry a higher excess than ordinary cover, because learners have more small bumps. One insurer’s current declaration sets a minimum of £250 for damage, fire and theft, with a further £500 where the claim is a single-vehicle fault incident or the other party cannot be traced. Read the figure on your own quote, because it is the number that decides whether a scraped bumper is worth claiming for.

The owner’s no claims discount

A claim goes on the learner policy, not on the owner’s annual one. That is the reason this product is easier to ask a parent for than being added as a named driver, and it is written into the policy rather than being a courtesy. The detail is set by the broker and the insurer, and it is in the policy wording and the insurance product information document rather than here.

How Much Does Temporary Learner Driver Insurance Cost?

From £15.07 for one hour, £24.52 for one day and £63.18 for one week. Your own quote depends on the car, your age and the length you choose.

The published figures by car show how much the vehicle matters: a Vauxhall Corsa from £16.98 for an hour, a Ford Fiesta from £21.26, and all three example cars at the same £58.60 for a week. Your own quote is set by the car, your age and the length you choose.

What sets your price

1 The car Value, insurance group and body type; groups 1 to 5 are the least expensive.
2 Your age Learners from 17 are accepted, and a 17 year old pays more than a 30 year old.
3 The length The number of hours or days sets the price.
4 Extras Breakdown cover, excess protection and legal cover are optional.

Starting prices on this page are GoShorty’s published from-prices, based on quotes from December 2025 to May 2026. A starting price is the lowest sold to anyone, not a typical price, and every quote is individual. Source: GoShorty’s published prices.

Who Can Get Temporary Learner Driver Insurance?

Learners from 17 on a UK provisional licence, with no points, no claims and no pending prosecutions, practising in a car that normally already has an annual policy, with a supervisor who meets the declaration.

The broker quotes learners from 17; the upper age limit depends on the insurer, and the quote will say so. The declaration also asks that you have been a permanent UK resident for the period it states, that you have never had insurance refused, cancelled or voided, and that you have no unspent criminal convictions. It applies to provisional licence holders only: a driver with a full licence needs ordinary temporary car cover, where the minimum age depends on the insurer, as young driver insurance explains.

If you have already passed, new driver insurance covers what the quote asks of a recently qualified driver. A learner with points on the provisional licence is outside this product, whatever the convicted driver page says about full licence holders.

What Happens After You Pass Your Test?

A short grace period to drive home, set by the insurer and shown on the policy, and then the learner policy is void, so your own full licence insurance must be in place before you drive again.

The grace period is for the journey home from the test centre, not for a celebratory drive, and the supervisor can drive that journey under the declaration if you would rather not. After that, every drive needs a policy for full licence holders, and whether a newly qualified driver under 21 can get temporary car cover depends on the insurer, as new driver insurance explains. Arrange the next policy before test day, so the car is insured for you the moment the learner policy ends.

GOV.UK sets out the penalties for driving without insurance: a fixed penalty of £300 and six points, or an unlimited fine and disqualification at court, and the police can seize the car. Six points within two years of passing means the licence is revoked. You can check whether a car is insured on askMID before you turn the key.

Questions

Temporary Learner Driver Insurance: FAQs

What is the lowest-cost way to insure a learner driver?

For private practice in a family car, a temporary learner policy is priced on the hours or weeks you use rather than the year, and it leaves the owner’s premium and no claims discount untouched. Adding a learner to the owner’s annual policy often costs an admin fee and puts the owner’s discount at risk if the learner has a bump.

Can I get learner driver insurance for one day?

Yes. Daily cover runs from one to 28 days, and hourly cover from one to 24 hours if a single practice session is all you need. The published starting price for one day is £24.52 and for one hour £15.07, based on the lowest sold between December 2025 and May 2026.

Can I get learner insurance on my own car?

Yes. The car normally already has an annual policy in force, for example in a parent’s name; whether the insurer requires one is in its criteria, and the quote says. Learner cover sits alongside that policy; it does not replace it. A car with no insurance of its own may be outside the criteria, and must not be driven or even kept on the road uninsured in any case.

How old do you have to be?

The broker quotes learners from 17 on a UK provisional licence; the upper age limit depends on the insurer, and the quote will say so. The supervisor and, normally, the car’s own annual policy are part of the arrangement, which is why learner cover is open at an age where ordinary car cover depends on the insurer.

Who can supervise me?

GOV.UK’s minimum is a supervisor over 21 who has held a full licence for at least three years and is qualified to drive the type of car. The insurer’s declaration at purchase is usually stricter: over 25, a full UK, EU or EEA licence held for three years, and no drink or drug driving conviction in the last five years. Follow the stricter rule, because the policy only responds when the declaration was true.

Does the car need its own insurance?

Yes. The car normally already has an annual policy in force; whether the insurer requires one is in its criteria, and the quote says. Learner cover is written to sit alongside it, and the owner keeps and renews the annual policy as normal.

Will a claim affect the owner’s no claims discount?

No. The learner policy is standalone, with its own certificate and policy number, and a claim is handled under it. The owner’s annual policy and no claims discount are untouched.

How long can learner cover last?

From one hour up to 24 weeks. Hourly cover runs from one to 24 hours, daily from one to 28 days, weekly from one to four weeks and monthly up to 24 weeks, which is six months on a single policy.

What happens when I pass my test?

The policy gives you a short grace period after you pass to drive home, set by the insurer and shown on the policy, and then it is void. You need your own full licence insurance before you drive again, so arrange it before the day of the test.

Can police see if I have learner insurance?

Yes. The policy is reported to the Motor Insurance Database, which is what a roadside number plate check reads, and the database is updated four times a day. Keep the emailed certificate on your phone as well, because it is proof of cover from the moment you pay.

Can I drive my son’s or daughter’s car on their learner insurance?

No. The learner policy covers the learner only, while supervised. The one exception is an emergency: the declaration extends cover to the supervisor to complete a specific journey if the learner cannot continue, or to drive home after the learner passes the test. For anything else the supervisor needs to be insured on that car in their own right.

Can I use learner cover on a motorway?

No. GOV.UK says it is illegal to drive on a motorway when practising with family or friends. Motorway practice is only allowed with an approved driving instructor in a car fitted with dual controls, and learner cover does not change that.

Does it cost anything to get a quote?

No. Getting a quote is free and you are under no obligation to buy. We may be paid a fee by the broker if someone takes out a policy after being introduced by us. It does not change the price you are quoted.

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