If your child is learning to drive under the tuition of a qualified instructor, and in the instructor’s vehicle, then you can relax. It’s the instructor’s responsibility to sort out the vehicle’s insurance, and the cost is covered by the lesson fees.
However, if your teen is driving your car, or that of a friend or relative – whether for tuition or practice – make sure adequate insurance cover is arranged.
Why drive someone else’s car as a learner driver?
When learning to drive with a qualified instructor, it’s a good idea for your child to practice between private driving lessons. This can help reduce the number of lessons needed to pass the test, in turn cutting the learner driver’s costs (or yours!)
Most instructors charge between £20 and £25 per lesson, and on average, it takes learner drivers about 45 hours to prepare for the driving test. That’s about £1,000 – and it could be even higher! However, there is no minimum number of lessons they must complete before taking a test. So, it stands to reason that the more practice a learner driver gets, fewer lessons are needed and the more money you potentially could save.
However, statistics show that drivers aged 24 and under are at a higher risk of crashing than older drivers. As such, some insurance companies state that learner driver supervisors are at least 25 years old. So be sure to check the terms and conditions of your child’s policy.
If they drive without the correct supervision, the learner driver can face a fine of up to £1,000 and get up to six penalty points on their provisional driving licence.
Getting insured on your car (or someone else’s)
You have two options:
1. Become a named driver
If your child will be driving your car, you may choose to simply add them as a named driver to your existing insurance policy. If they won’t be driving your car, but will have access to someone else’s, they can ask the owner of the car they will be driving – whether it’s another family member or friend.
So adding your child as a named driver is one option. It is worthwhile noting, the additional premiums will still be steep for you (or the friend or family member that owns the car) and you could face losing your precious No Claims Bonus (NCB) if the learner driver has an accident.
It’s also unlikely that your learner driver would be able to build up a NCB of their own. A NCB will enable your teen to get a discount on future insurance premiums, by proving to the insurer that they haven’t made any claims against previous policies.
As with accidents or claims in general, supervisors should be aware that their insurance company should be made aware if an incident happens when guiding a learner driver. This could affect the supervisor’s own NCB and premiums.
2. Buy learner driver insurance
Another option to consider is for your child to take out a learner driver policy, as they would if driving their own car. Learn more about learner driver insurance.
If your child has to make a claim on a learner driver policy, this won’t affect the NCB of the vehicle owner’s insurance.
Getting insured on their own car
If your child is lucky enough to already have their own set of wheels, then they will need to take out a learner driver insurance policy for that car.
It’s worth bearing in mind that the year, make and model of the car can all individually affect the premium. So if their first car is something flashy, don’t be surprised if the quotes are high or if certain insurance companies won’t offer any cover. Adrian Flux offer fully comprehensive learner driver insurance for vehicles up to insurance group 30, valued at less than £20,000.
Driving without insurance can lead to:
- an unlimited fine
- a driving ban
- up to eight penalty points.
Learn more about the crimes and punishment around insurance dodging.
Finding cheap car insurance
Here are our top tips for cutting the cost of car insurance cover for learner drivers.
- Car insurance premiums can be high, so shop around before choosing an insurance provider.
- Your child may save money by adding an experienced driver to their policy as a named (but not main) driver. Some insurance companies also offer short-term policies for provisional licence drivers, which could work out cheaper. See below for details on what Adrian Flux offer.
- Keep an eye out for insurance providers that can offer a discount on a standard policy if your learner driver stays with them after passing the test. Also look for policies that can allow them to build up a No Claims Bonus.
- Choosing the right car and level of cover can also keep costs down. You may consider third-party fire and theft if the quote for comprehensive insurance is too high. This option is available for our 12-month provisional licence insurance policies.
- Consider black box insurance policies for when your learner driver has passed their test. Learn more here.
What do Adrian Flux offer?
It can be hard to understand the legal requirements and costs of the short-term insurance you will need when your teenager gets a provisional licence and starts learning to drive. And there could be even more kerfuffle when they pass their test as the insurance cover must be negotiated once again. As well as cheap provisional licence insurance, once the learner has passed their test, there are a number of driving schemes that can keep the cost of new driver insurance down.
Our learner driver premiums start at just £90 a month and cover can be taken on a month-by-month basis or for two, three, six or 12 months at a time. This way, you or your child will only pay for the cover needed before passing the test.
Can I get my child motor insurance before they turn 17?
If you know which car your child will practice in, it’s possible to get insurance cover that automatically starts on their 17th birthday. If the car is new and has no other policyholder, you can arrange for accidental damage, fire and theft insurance cover in the meantime for the car for up to one month before the child’s 17th birthday.
Bear in mind that your child will need to get a provisional licence before taking out insurance cover. Find out how to apply here.
Can my child practice in more than one car?
Yes, as long as they have the proper insurance cover for each vehicle. We can offer a 50% multi-car discount on a second policy.
What happens once my child passes their test?
The provisional licence insurance cover will automatically stop. However, we have made it easy to organise continued cover with our young driver insurance. As we will already have all your child’s details, changing policy will be swift, cheap and hassle-free.
Learn more about our insurance options: call 0330 123 1232 or click here to arrange a call at a time that suits you.