Learner Driver Insurance
Are you worried that the learner driver in your household is putting your hard-earned no claims bonus at risk and increasing your policy excess? Covered Learner Driver motor policy developed with Marsh Brokers Limited and Brit Insurance the international general insurance and reinsurance group, allows the learner to practice their driving without risking the car owners no claims bonus and additional high policy excess rates.
The vehicle named on the policy documents must be insured elsewhere by the registered keeper, our policy operates separately to any existing motor policy It covers the learner while driving under supervision by anyone over the age of 25, who holds a full UK driving licence valid for three years or more. Policies can be bought on a monthly basis and the price is fixed, regardless of your postcode and vehicles up to and including Group 12.* The vehicle can belong to a relative or friend. Policies can be initially taken out from 1, 2, 3, 4, or 6 months starting at £99 a month. Cover clearly benefits the car owner and, as the Government Driving Standards Agency recommends a minimum of 42 hours of driving tuition costing as much as £900, it's a great help to learners too. A Covered Learner driver policy also removes the expense of adding an additional learner driver to your policy especially a young additional learner driver.
Why use Covered Learner Driver?
- Practise in a family or friends car
- Gain experience with a friend
- Underwritten by a leading insurance company
- Comprehensive insurance
- 24 hour claims helpline
Premiums (regardless of your postcode)
- 1 month - (28 Days) £89.50 (£3.20 per day)
- 2 months - (56 Days) £167.00 (£3.37 per day, 8% discount)
- 3 months - (84 Days) £220.00 (£2.62 per day, 19% discount)
- 4 months - (112 Days) £260.00 (£2.32 per day, 29% discount)
- 5 months - (140 Days) £280.00 (£2.00 per day, 38% discount)
Once the driving test is successfully completed, the cover ends, no return of unused premiums are made. The vehicle named on the policy documents must be insured elsewhere by the registered keeper, our policy operates separately to any existing motor policy.
Policy exclusions
We cannot insure everybody under this policy and have an exclusion which include vehicles over £20,000 in value and above insurance group 12, the person supervising must be over 25 and hold a current full UK driving licence and held the licence for over 3 years, the insured person must hold a current UK provisional driving licence but not have any motoring convictions or fault motor claims, the insured's main income must not come from professional sport or the entertainment industry. Unfortunately there are certain categories of individual and vehicle which we are unable to provide cover.
These are:
A learner driver to be insured:
- Who has any fault motor accident claims against them, excluding windscreen claims
- Whose main income is derived from taking part in professional sports or entertaining the public
- Any Motor Convictions or Convictions pending
- Who doesn't hold a current full UK provisional Driving Licence
Vehicles:
- In insurance group 13 or above
- With a value in excess of £20,000
- Is left hand drive
- Has been modified and not built to UK specifications
- Has more than 7 seats
A person supervising the driver:
- Who is under 25 years of age
- Who doesn't hold a current full UK Driving Licence
- Who hasn't held a full UK licence for more than 3 years