Learner driver insurance
Drive your own car, or a friend or parent's, with a provisional licence.
Only pay for what you need with policies from 1 to 3 hours daily. Get driving in under 5 minutes.
What is learner driver insurance?
Provisional licence holders aged 17 to 50 can get learner car insurance in under 5 minutes. They'll get fully comprehensive cover, the highest category of driver insurance available, including coverage for damage to the car, other people’s cars or property, personal injury claims and much more.
If you borrow a car, the owner's insurance policy won’t be affected in case of an incident, and their no claims bonus will be safe. Learner insurance is bought in increments of 1 hour - it’s the ultimate in flexibility.
Affordable, flexible learner driver insurance with Cuvva:
Our provisional driver insurance gives you pay-as-you-go coverage. You can get hourly cover, making it quicker to set up than traditional named driver insurance. It’s also better for car owners, as it doesn’t affect their no claims discount and the learner covers the cost.
Only pay for what you need
Hourly learner driver insurance
Drive a car up to 3 hours in a day, from 7am to 7pm
Borrow a car by buying a policy in a matter of minutes
Extend your policy with a few taps (up to a maximum 3-hour policy per day)
Fast and fully comprehensive
Sign up in the app or online and get driving in under 5 minutes
All your policy documents are sent instantly to your phone
Faster than being added as a named driver
The highest category of coverage, including damage to your vehicle, other vehicles, personal injury claims and much more
Better for supervisors
No risk to the car owner’s no claims discount in case of an incident
No need to call the insurer or add the learner as a named driver
The provisional licence holder covers the cost of insurance
How much is temporary car insurance?
The price of your learner insurance depends on a lot of different factors to work out your price, including the car you drive, and where you live. So your price will be unique to you.
But we know it can be helpful to get a ballpark figure. So here is how much it costs to insure a learner driver on some the UK's most popular cars.
| Duration | Ford Fiesta | Vauxhall Corsa | Ford Focus | Volkswagen Polo | Vauxhall Astra |
|----------|-------------|:--------:|:---------:|:-------:|:--------:|
| 1 hour from | £10.60 | £10.64 | £11.20 | £11.12 | £11.16 |
| 2 hours from | £11.16 | £11.67 | £11.68 | £11.85 | £12.52 |
| 3 hours from | £11.20 | £14.12 | £14.20 | £12.56 | £14.73 |
| 6 hours from | £18.19 | £16.86 | £19.27 | £18.17 | £19.56 |
Am I eligible for learner driver insurance?
Who it’s suitable for
Provisional licence holders aged 17-50
Those who have held their provisional licence for less than 15 years
GB licence holders (that means issued in England, Scotland, or Wales)
Vehicle requirements
Your car must be in insurance group 27 or lower
You can drive your own car
You can borrow someone else's
We allow most modifications, including any for disabilities
Only private cars are allowed - so we can't cover motorbikes, vans or taxis
Your supervisor will need to
Be over 25 years old
Be qualified to drive the type of car you’re learning in (for example, someone with an automatic licence can only supervise someone in an automatic car)
Have held their full licence for at least 5 years
Do learner drivers need their own insurance to drive?
If you’re getting lessons from a private instructor or a driving school, insurance is usually included. This is mandated by the Driver & Vehicle Standards Agency and the instructor has to cover the cost.
However, if you’re getting behind the wheel to practice in a car outside of your usual lessons, you’ll need to get your own learner driver insurance, or get added to the car owner’s policy as a named driver.
Provisional licence insurance coverage
With Cuvva, you’ll get fully comprehensive cover with your learner insurance including:
• Damage to the car you’re driving up to £40k
• Damage to third party property up to £2m
• Your legal liability to other people arising from an accident
• Attempted theft, theft and fire damage
• Taking your driving test
This insurance is suitable for
Provisional licence holders aged 17 to 50
Practising with a supervisor on British roads
Taking your practical driving test
Borrowing a car as a learner without becoming a named driver on the owner's policy
Protecting the car owner's no claims bonus with a separate policy in your name
It isn't suitable for
Those looking for annual insurance
Drivers with a non-GB license
Drivers who have just passed their test
Full licence holders (you'll want temporary car insurance) for that
Driving on the motorway
Driving a car worth more than £30,000
How to insure a learner driver
Get insurance for a learner driver in less than 5 minutes in the app
1
Get a quote
It just takes a few clicks or taps on the app
2
Find the car
Enter the registration plate
3
Check your cover and pay
Get provisional licence insurance from 1 hour
4
Extend up to a maximum 3-hour policy
If you need more time than you thought
Why Cuvva is faster and easier
Manage it all from the app
Notification reminders
Know when your policy is ending
Apple Pay and Google Pay support
For fast, secure payments
Licence scanner
Get your temporary insurance set up at the speed of camera
World beating customer service
Real answers from real people
Learner driver insurance FAQs
How does learner driver insurance work?
Hit the road in no time with Cuvva’s temporary learner driver insurance! You can get coverage for up to 3 hours a day with fully comprehensive cover, just like what annual car insurance offers.
Here’s the key difference from adding a learner driver to a parent’s policy: Cuvva provides separate insurance in your name. This means if you have an accident, your parent’s (or the car owner’s) insurance is unaffected. They won’t have to make a claim, protecting their no claims discount.
Can I drive on a provisional licence without a qualified driver?
It is against UK law to drive alone or without a qualified driver if you’re a learner. Always have a qualified driver with you so that your licence stays clean and your car doesn’t get impounded! With Cuvva, your supervisor must be over 25 and have held their full licence for five years – though this doesn’t have to be a UK licence.
Does my insurance cover other learner drivers?
Unless the learner driver is a named driver on the policyholder’s insurance, it’s safe to assume that they are not covered.
However, learner driver insurance is fairly accessible now and with some insurers like Cuvva, a learner can get coverage of their own for as little as 1 hour.
At Cuvva, each account is only attached to one person’s details. Any policies purchased on the account would only cover the main driver to drive the vehicle.
How many driving lessons can I take in one week?
There are no minimum or maximum time limits when learning to drive in the UK.
This is consistent with our policies in the app - you can get covered up to 3 hours in one 24 hour period.
Do I need a supervisor when I learn to drive?
Yes - you can be fined up to £1,000 and you’re likely to get 6 points on your licence if you drive without a supervisor. Yikes!
Remember, you’ll need your own policy to drive, and you’ll need to be aged 17-50. We can’t insure learners who have had a provisional licence for over 15 years.
Do you get to build up a no claims bonus (also known as a no claims discount) with learner insurance?
Insurers usually provide an no claims discount document when a driver has been insured for a year, without any at-fault or joint-fault claims.
At Cuvva, our learner insurance policies are a maximum of 6 hours a day, so we can’t provide no claims discount documents.
Can I teach someone to drive in my own car?
Yes! With Cuvva, you can teach someone to drive so long as they can get a quote on your vehicle and your vehicle isn’t modified. Learner drivers can get a policy on vehicles up to insurance group 27, and you can teach them if you are aged over 25 and have held your full licence for five years.
Where can learners drive?
If you’re learning to drive within England, Wales, and Scotland, you can use Cuvva's learner policies to drive on all road types except motorways. Cuvva sadly can’t cover drivers in Northern Ireland at the moment but this could change in the future. The golden rule is if you can get a policy in your area, then we can insure you.
Can a learner drive on the motorway in the UK?
Not using Cuvva unfortunately.
Some insurers may allow it, but must be driving 1) with an DVSA-recognised 'Approved Driving Instructor' (ADI) with you, and 2) in a car with dual controls.
Can I add a provisional driver to my insurance as a named driver?
Yes. It’s pretty simple, and is usually cheaper than getting the learner their own standalone annual policy.
However, it can add hundreds of even thousands of extra pounds to your premium, and put your no claims discount at risk.
An alternative would be to get them insured on your car using hourly temporary insurance, like Cuvva's. It’ll probably work out cheaper, plus it keeps your no claims discount safe.
Does provisional licence insurance show up on the askMID database?
Yes it does. However, like normal temporary car insurance, it can sometimes take a little while to show up.
This doesn’t mean your insurance isn’t valid. Once you have your policy docs, you’re all sorted.
Does provisional licence insurance cover you after you’ve passed your driving test?
No it doesn’t. Once you pass, you’ll need to sort out full insurance.
This kicks in immediately, by the way, so if you pass your test in your own car, you’ll need to get someone to drive you home or sort out full insurance before you head back from the test centre.
Unfortunately some insurers, like Cuvva, can't insure a driver who has passed their driving licence in the last year.
Do I need supervisor insurance when supervising a learner driver?
Nope! If you’re accomponying a friend or family member who is learning to drive, you just need to be over 25 and have had a full licence for the type of car (a manual or automatic) they’re driving for the past 5 years.
Are other drivers allowed to supervise you when learning to drive if they aren’t the car owner?
Yes, that’s no problem. As long as they are over 25 and have held a full licence for five years, they can act as a supervisor while you’re getting some extra hours of practice in.
What do I do if I have an accident while driving on short-term car insurance?
If there is significant damage or any injury, make sure you call the police and ambulance, record the scene with pictures and get the names of those involved. We’d also suggest you don’t make any admission of fault at the scene.
You’ll be covered if you have an active policy. Contact the underwriter in your car insurance policy documents to make a claim.
Learning to drive - some useful guides
The easiest and hardest places to pass your test
We've crunched the numbers and found the driving test centres with the highest and lowest pass rates. There's a huge difference, so do your research!
The benefits and limitations of being a ‘named driver’
Getting added as a learner driver to a parent’s insurance? Here's everything to keep in mind about being a named driver.
Driving test checklist
It’s time to build up that pre-test confidence. Use our driving test checklist to get familiar with what to expect on the day, and what to do if you pass or fail.
Don’t worry if you fail. Around half of us fail first time!
The expert's view
Adam Kent, Cuvva's Senior Underwriting Lead and Insurance Expert, said: ‘There are a few key benefits of taking out learner driver insurance on your parent's car rather than becoming a named driver. It can be much cheaper, you can practice without having to worry about your parents' no claims bonus, and if your lesson overruns you can extend it with a quick tap of your phone.’
Driving test useful guides
Can you use your own car for your driving test?
Yes you can. There are some standards and requirements, however, so make sure you don't get turned away at the test centre.
What your driving test examiner will be looking for
Here’s everything you need to know about the big day, from how to prepare your car to how much conversation to expect.
How long it takes to learn to drive
The DVSA says it takes most people 45 hours of lessons and 22 hours of practising. We've broken down the different parts of what can be a long and confusing process.
The cost of learning to drive
Learning to drive can be expensive, so we've crunched the costs for a pricing breakdown. It all starts with an application for your licence, which costs between £34-43.
10 reasons people fail a driving test
Don't fall into the trap of making one of the 10 most common driving test mistakes! Here's the hall of shame.
Can you drive with a provisional licence?
Yes, you can learn to drive with a provisional driving licence. There are some exceptions, but you must be 17 to actually take the test. Here's how it all works.
Any questions?
Got a question? Our tireless customer support team is on hand every single day of the year, between 9am and 9pm. Let's have a chat.
Already have a temporary car insurance policy?
Get answers from the Cuvva team on all of our short-term car insurance policies, payment queries, privacy concerns and much more.
