Learning to drive can be a really exciting time but it can also be expensive: If you're using public transport to get around you will have to pay for both that and your lessons at the same time, the tests keep getting more and more expensive year after year, and if you want to learn in a car other than your driving instructor's, you will need some form of learner driver insurance.
What is the best car insurance for learner drivers?
This depends entirely on your situation.
If you are only driving your instructor's car and no others, you do not need to be concerned about insurance - part of your instructor's policy covers students, and part of your lesson fee goes towards paying for the insurance.
However, if you are driving another car that belongs to you or somebody else, you will need to be insured to drive that vehicle.
There are steps you can take to keep your premium as low as possible though: For example, if you have a parent or other experienced driver living in the same property as you, adding them as a named driver can decrease your premiums quite substantially. Do not be tempted to have them take out a car insurance policy in their name whilst you are the main driver however - this is called fronting, and can invalidate any claims you might have to make.
The third option is for an experienced friend or relative to add you to their policy - but remember, that driver needs to be have been qualified for at least three years and be over 21 in order to take you out in their car.
If you are only driving your instructor's car and no others, you do not need to be concerned about insurance - part of your instructor's policy covers students, and part of your lesson fee goes towards paying for the insurance.
However, if you are driving another car that belongs to you or somebody else, you will need to be insured to drive that vehicle.
If the vehicle is yours, you will be better off taking out a learner driver car insurance policy in your own name - it may be expensive, but the majority of policies get more expensive once you pass (the logic being that once you pass you will no longer have supervision whilst driving), and the sooner you start paying for your own insurance, the sooner you can start building up your no-claims discount.
There are steps you can take to keep your premium as low as possible though: For example, if you have a parent or other experienced driver living in the same property as you, adding them as a named driver can decrease your premiums quite substantially. Do not be tempted to have them take out a car insurance policy in their name whilst you are the main driver however - this is called fronting, and can invalidate any claims you might have to make.
The third option is for an experienced friend or relative to add you to their policy - but remember, that driver needs to be have been qualified for at least three years and be over 21 in order to take you out in their car.
Cheap learner driver car insurance tips
As a learner driver, your insurance will be costly - but there are a number of things you can do no matter your experience level to keep your car insurance premium low:Drive carefully: this is particularly important as a learner driver; whilst gaining points will not stop you from taking your test, they will increase your car insurance premiums and mean you have to be extra careful once you pass.
Limit your mileage: whilst you are learning to drive, you won't be doing many miles a year. Consider declaring a low number of miles travelled whilst you are learning (but don't cut it too low if you want to practice intensively before your test) - make sure you inform your insurer of an increase once you start using the car on a day-to-day basis
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