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Learning Cube

Learner Driver Insurance

Learner driver insurance
from £1 per day*

Learner drivers often face crippling additional premiums when being added to a parents, family or friends car insurance policy, this also puts the named driver at risk of losing their no claims bonus in the event of an accident.

  • Cover can be taken out on a month-by-month basis, so learners only pay for the cover they need before passing their test.
  • Fully comprehensive learner driver insurance for vehicles up to insurance group 30, valued for less than £20,000.
  • The learner driver can insure their own car, even on short period policies.
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Extra practice outside of driving instructor lessons can make a huge difference to the amount of lessons needed before a learner driver passes their test, dramatically reducing the cost of driving lessons, so it makes sense to practice with a friend or family member. However many struggle to get car insurance at a low cost when being added to a policy as a named driver, as this also puts the named driver at risk of losing the vehicle owner’s no claims bonus.

Adrian Flux offers car insurance for learner drivers aged between 17 and 25 from just £1 per day, a cost-effective way for young learner drivers to get that all-important extra practice behind the wheel.

Rather than including a learner driver on a parents, family or friends car insurance, we provide a separate fully comprehensive insurance policy, at an affordable rate, that pays out in the event of a claim and protects the owner’s no claims bonus. Our learner driver car insurance policies can be taken out on a month-by-month basis, so learners only pay for the cover they need before passing their test.

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How it works:

  • If the learner driver is a car owner, or wants to drive their parents or friends car, cover can be taken out for both long or short term.
  • Policy lengths available of 1, 2, 3, 6 or 12 months.
  • The cover must be comprehensive and for vehicles up to insurance group 30 valued at no more than £20,000.
  • On a 12 month policy, third party fire and theft is available.
  • Policy holders must have a UK provisional licence and the accompanying driver must be over 25, with a valid UK driving licence which they have held for at least three years.
  • Cover automatically stops when the policyholder passes their driving test.
  • All postcodes in the UK are eligible, split into just two rating areas, with premiums starting at £90 for one month’s cover.
  • Any claim will be settled on the learner driver’s insurance policy, and will not affect the no claims bonus of the vehicle owner’s insurance.
  • If you want to drive both of your parents vehicles you can get a 50% discount on the second policy.
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† Terms and conditions apply.
Please click here to read them

Case Study Harry Dodds

Harry Dodds, 17, from Norfolk, was the first to take out the learner driver cover. He is learning to drive in his father, Cliveʼs, VW Passat, and has taken out a three month policy costing £175, a saving of £750 on an annual basis if he had simply been added to his father's policy.

The Passat is currently insured with Adrian Flux at an annual premium of £450, but adding Harry as a named driver would push this up to £1,800.

"This policy is an absolute no-brainer for learner drivers," said Mr Dodds senior. "It's a win-win situation - it's saving us a small fortune in premiums and if Harry were to have a minor bump then my no claims bonus is unaffected." And Harry added: "It will enable me to get in some valuable extra practice and hopefully I'll be able to pass my test sooner, saving more money on lessons and insurance in the meantime. It's the perfect policy for me at the moment."

See the policy booklet for full terms and conditions. Please take note of our privacy policy. * Based on taking out an annual TPF&T policy costing £350

© Adrian Flux Insurance Services 2013. All rights reserved. Adrian Flux is authorised and regulated by the Financial Conduct Authority (FCA) registration number 307071. You can write to us at Adrian Flux Insurance Services, East Winch Hall, East Winch, King's Lynn, Norfolk, PE32 1HN.