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Learner driver insurance

Kickstart your driving journey with flexible learner driver insurance – comprehensive cover from 1 day to 5 months1

  • No claims protected – for the main driver
  • Fully comprehensive – provisional insurance from a brand you can trust
  • Flexible – get on the road in 15 minutes and top up online
Get a quick quoteI'm already a customer

1One month’s cover is classed as 28 days, so a 5 month policy runs for 140 days in total. Cover from 1 day applies to cars that are already insured with an annual policy, otherwise policies start from 1 month.

1One month’s cover is classed as 28 days, so a 5 month policy runs for 140 days in total. Cover from 1 day applies to cars that are already insured with an annual policy, otherwise policies start from 1 month.

Existing customer? Log in to manage your account 24/7

Insurance

What is learner driver insurance?

Learner driver insurance provides short-term provisional insurance for new drivers. It covers you for both private lessons and practicing before you take your driving test. With the RAC, you can take out learner insurance for 1 day, or for as long as 5 months, depending on how long it takes you to pass. If you do find yourself needing to top-up your learner driver insurance, then don’t worry, as you can do this online at any time.

If you’re driving your own car, you’ll be able to drive the vehicle at whatever time suits you, unlike some telematics policies that impose a curfew. Importantly, this insurance helps protect the car owner's No Claims Bonus. If you were added to their policy and had an accident, it could impact their bonus.

How does it work?

Step one

First, choose the length of your provisional insurance. We offer any duration from 1 day up to 5 months fully comprehensive!

Step two

Fill out some details about yourself and the vehicle you’ll be driving to get your quote.

Step three

Once you’ve paid for your insurance, you’ll be able to start driving in as little as 15 minutes!

Step four

Next, pass your theory and practical test. Once you’ve done this, you can easily upgrade your insurance while keeping your no claims.

Do all learners need this insurance?

In the UK, anyone driving on public roads, including those with a provisional licence, must legally have valid car insurance. Most driving schools include insurance in their lesson fees. This means learners are covered during lessons with an instructor. However, if you want to practise driving outside of lessons, in your own car or someone else’s, you’ll need to get separate learner driver insurance.

If you’re using your own car for lessons with an instructor, make sure your learner insurance covers it. Not all policies do. Driving without insurance can lead to a £300 fine and 6 penalty points. More serious penalties may apply if it goes to court.

Am I eligible?

As the driver, you must:

hold a current provisional UK driving licence

be a permanent UK resident

have an address shown on your provisional driving licence which matches the address on your provisional insurance policy

have had no claims or incidents likely to give rise to claims

have no penalty points on your licence

have had no motoring offences or convictions

have not been convicted of any offence relating to fraud, robbery, theft, or handling stolen goods including any pending prosecution or police enquiry

Your vehicle must:

be registered in the UK

have a current market value of less than £40,000

have no more than 7 seats (including the driver's)

not have been modified

not be a hire or rental vehicle

not be a seized vehicle or in a police compound

not be used for the carriage of goods or passengers for hire or reward

not be used to carry hazardous goods

not be used or driven at any hazardous location

Read our full policy requirements here.

Important note: once you’ve passed your test, you’ll no longer be covered by our provisional learner insurance to drive home from the test centre. New drivers can save on their insurance with our RAC Black Box Car Insurance.

How much does it cost?

The cost of learner insurance will vary depending on your situation and vehicle. These prices2 are an average cost guide:

Daily learner insurance

1 day – £20.01
2 days – £23.54
3 days – £26.47
4 days – £31.65
On average, save up to 76% when you choose a 1-week policy vs 7 x 1-day policies*

Weekly learner insurance

1 week – £36.41
2 weeks – £47.25
3 weeks – £55.75
4 weeks – £81.80
On average, save up to 44% when you choose a month (4-week) policy vs 4 x 1-week policies*

Monthly learner insurance

1 month (28 Days) – £81.80
2 months (56 Days) – £117.02
3 months (84 Days) – £155.20
4 months (112 Days) – £199.55

*These potential savings have been calculated using the average sold price for 7 individual 1-day policies compared with an individual 7-day policy. The potential monthly saving has been calculated using the average cost of 4 individual 7-day policies compared to an individual 28-day policy (1 month cover). The data was gathered for policies sold between 01/03/24 and 31/10/24. Prices for these policies will vary based on an individual’s risk information, therefore, actual savings may vary.

What’s covered?

RAC Learner Driver Insurance is fully comprehensive. You’re also covered with learner insurance when sitting the driving test, providing that you use the same vehicle. However, the cover stops when you pass your test, so you’ll need to plan alternative arrangements when getting the car back from the test centre. You can also add optional extras to your learner driver insurance, for example short term breakdown cover.

Here’s what’s included as standard with our learner insurance:

Cover if your car is damaged or stolen

We’ll cover your car if it’s written off, and for accidental damage, fire, theft or attempted theft.

Legal liability

Legal liability if another person is injured or dies, or their property is damaged (up to £5 million per claim).

Medical expenses

We’ll provide medical expenses for anyone injured in the vehicle.

Sitting the driving test

You’ll be covered when you’re sitting your test.

Vehicle recovery

We’ll provide vehicle recovery to a single address within the territorial limits if the insured driver becomes seriously ill and needs treatment.

Personal belongings

Up to £150 towards personal belongings if they’re stolen or damaged in a fire

Ignition keys

If your ignition keys are damaged or stolen, we’ll replace them if the cost doesn’t exceed your car’s market value.

Read our full policy requirements here.

Why choose us?

RAC recovery rate icon

Quick and easy

Buy online 24/7 and your cover's active within 15 minutes

RAC savings icon

Flexible

Only pay for the learner car insurance cover you need, from 1 day to 5 months1

No impact on no claims

There's no impact on the main driver's no claims discounts

Fully comprehensive

All learner insurance with the RAC is fully comprehensive as standard

What customers are saying about our partner DayInsure on TrustPilot

Our partners Dayinsure have a 4.7-star rating, with over 53,000 reviews on Trustpilot (30/01/2024), and our policies are underwritten by Aviva, the UK’s largest general insurer. And the RAC have been looking after drivers for over 125 years. So you know you’re in safe hands with our short-term car insurance.

We’ve used dayinsure.com through the RAC to insure our learner driver. Due to having to unexpectedly change the car, we had to cancel our insurance and buy a new policy. I was pleasantly surprised by how easy this was and by how much we got back.

Wendy T – Feb 2023

I took our Provisional Driver Insurance with dayinsure via the RAC. This was very easy to do and very competitive, way below the “comparison” websites which offered lesser cover at twice the price.

Gee – Jan 2023

Great service, great price when looking for insurance to cover for provisional drivers, it’s a mind field. RAC offer everything, love the fact you can pay for anything from 2 hours to 28 days.

Emma H – Jan 2022

Learner driver insurance explained FAQs

Yes, you can get learners insurance with a provisional driving licence. RAC Learner Driver Insurance is designed specifically for drivers with a provisional licence. Get a quick quote.

If the learner driver is practicing with you in their own car, they can take out learner driver insurance and you'll be covered to supervise them. If they're driving your car, you'll need to have them named on your car insurance policy. Find out more about learner driver rules and supervising a learner driver.

Provisional driving insurance is another term for learner driver insurance. They do the same thing: cover you for any driving practice you have before you pass your test. If you’re practicing in your own car, you’ll need provisional or learner driving insurance. If you’re using a friend or family member's car, you need to make sure their insurance policy covers you as a learner driver. If not, you’ll need to take out your own separate learner insurance. This can be done alongside their existing car insurance. With an RAC Learner Driver Insurance policy, the no claims discount of the car owner won’t be affected if you need to make a claim. Learn more about our learner policy.

Only if you are driving your own car. If you are using someone else’s car, an existing annual insurance policy must be in place for that vehicle for the duration of your RAC Learner Driver Insurance policy.

If the learner insurance policy is in your name and on your own vehicle, you can start to earn a No Claims Discount straight away. This can vary from provider to provider so check before you purchase. Please note that earning no claims discount as a learner driver is only possible on annual policies, not temporary learner cover.

This can vary from policy to policy so check before you buy. Fully comprehensive insurance on a standard car policy doesn’t usually cover learners.

You might need a separate insurance for learner drivers.

Provisional insurance allows you to get valuable practice behind the wheel before your test, under supervision from someone over 25. RAC Learner Driver Insurance can be taken out for as little as a day up to 5 months, so you only have to pay for exactly what you need. If you're involved in an accident whilst learning in a car that isn't yours, the no claims discount of the vehicle owner won't be affected.

Car insurance for learner driver insurance is different to a standard car insurance policy in a number of ways. For example, Learner insurance is specifically for drivers who have not yet passed their test, and so must learn with a qualified driver present in the car. There are also restrictions for the driver, vehicle type and usage.
RAC Learner Driver Insurance isn’t an annual policy, it can be taken out from a day up to 5 months, as required. If it’s taken out on someone else’s car and you make a claim, the no claims discount of the owner won’t be affected.

Yes, having a black box on the car shouldn’t affect your learner insurance. But you may need to check with the black box insurer that your driving practice won’t affect their driver score.

Anyone who has held a full UK driving licence for over three years and is aged between 25-75 can supervise you if you've taken out provisional driver insurance. This could be a parent, family member, or friend. When supervising a learner driver, there are several important things to be aware of. Your supervisor must not use their mobile phone while you’re driving, and they can’t be under the influence of alcohol or drugs. This includes prescription medication that prohibits driving. Your instructor must also not accept payment unless they’re an approved instructor.

Learner Driver insurance policy FAQs

No, as long they are between the age of 25-75 and have held a full UK driving licence for at least 3 years. If you aren’t using your own car, you must have permission from the owner.

Yes, but each learner driver will need to have a separate learner insurance policy.

Yes, it will. The vehicle doesn’t have to be insured annually, and there’s also no curfew, so you can drive at whatever time of day you like.

Please note that if your vehicle isn’t already insured annually, cover starts from 1 month.

Yes, but you will need to buy a separate RAC Learner Driver policy for each car you wish to drive.

RAC Learner Driver Insurance allows you to practice driving under supervision. That means you're only covered between 6am and midnight, even for emergencies. This restriction is there to reduce the risk of fraud and to keep our prices competitive for learner drivers.

However, if you’re driving in your own car, this curfew doesn’t apply. You’ll be covered to drive at any time of day.

You’re entitled to cancel your policy at any time. As long as there haven’t been any claims, or incidents likely to lead to a claim, you’ll be entitled to a refund of unused premium.

If you cancel the policy before cover has started, you’ll be entitled to a full refund of your premium. If you cancel the policy after cover has started, you’ll be entitled to a partial refund of premium. Please visit our Existing Customers page for further information.

We guarantee to update the Motor Insurance Database (MID) every 7 days and in some cases more often, but we recommend always having a copy of your Insurance Certificate with you during the period of cover. You can drive the vehicle legally between the dates and times shown on the insurance certificate issued to you.

Need help with your theory test?

With the 2024 Driving Theory Test App you’ll have access to hundreds of practice theory mock exams and hazard perception tests. Get all the theory test practice you need and track your progress with your own personal statistics tab.

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