Learner driver insurance

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.

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.
All RAC Learner Driver Insurance policies are comprehensive.

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. Please see our eligibility criteria.

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 GB 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 be qualified to drive the type of vehicle you want to learn in – a manual car, for example. They must not use their mobile phone while you’re driving, and they can’t be under the influence of alcohol or drugs.

No, as long as they are between the age of 25-75 and have held a full GB 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. 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 may be entitled to a partial refund of premium. Refunds are subject to no claims made on the policy, or incidents likely to lead to a claim.

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.