Want some extra practice with learner insurance?
It’s easy to learn to drive with RAC Learner Driver Insurance. Our flexible insurance has you covered if you’re driving your own car, or a car that belongs to a friend or family member.
Our learner driver insurance, also known as provisional insurance, is always fully comprehensive. Adding a learner to your existing policy can increase the cost and include a mid-term change fee. With our policy, there’s no increase in your policy cost and no mid-term change fee, giving you peace of mind while supervising a learner.
Quick and easy
Buy online 24/7 and your cover's active within 15 minutes
No impact on no claims
There's no impact on the main driver's no claims discounts
What is learner driver insurance?
Learner driver insurance provides short-term provisional insurance for 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.
When you’re ready for the big day, you’ll be covered by your learner insurance policy.
How does learner driver insurance work?
Car insurance for learner drivers allows you to take out cover separately to the vehicle owner’s existing annual car insurance. Our policies can also cover you to drive in your own vehicle, read more about how it works below.
STEP 1
Get your provisional insurance
First, get a quick quote for your learner driver insurance. We'll just need a few bits of information about your provisional driving licence, vehicle, and you.
STEP 1
Get your provisional insurance
First, get a quick quote for your learner driver insurance. We'll just need a few bits of information about your provisional driving licence, vehicle, and you.
STEP 2
Get driving
Get practicing the same day! Whether that's in your own car, or a friend or families – they can have peace of mind knowing there's no impact on their no claims discount. If you need to extend, don't worry you can simply top-up online.
STEP 2
Get driving
Get practicing the same day! Whether that's in your own car, or a friend or families – they can have peace of mind knowing there's no impact on their no claims discount. If you need to extend, don't worry you can simply top-up online.
STEP 3
Pass your test
After you pass your test, have fun driving! Remember you’ll no longer be covered by learner insurance once you’ve passed your test. Make sure to find alternative arrangements to get home. You'll also need a new car insurance policy. For new and young drivers, check out our RAC Black Box Insurance.
STEP 3
Pass your test
After you pass your test, have fun driving! Remember you’ll no longer be covered by learner insurance once you’ve passed your test. Make sure to find alternative arrangements to get home. You'll also need a new car insurance policy. For new and young drivers, check out our RAC Black Box Insurance.
Am I eligible for learner driver insurance?
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 is learner driver insurance?
The cost of learner insurance will vary depending on your situation and vehicle. These prices2 are a guide:
Daily learner insurance
1 day – £17.47
2 days – £20.97
3 days – £24.44
6 days – £34.14
Weekly learner insurance
1 week – £33.64
2 weeks – £43.28
3 weeks – £52.66
4 weeks – £71.14
Monthly learner insurance
2 months – £105.82
3 months – £143.04
4 months – £179.52
5 months – £219.92
What's included with learner driver insurance?
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. Here’s what’s included:
What's included
Cover if the car is written off and for accidental damage, fire, theft or attempted theft
Legal liability if another person is injured or dies, or their property is damaged (up to £5 million per claim)
Medical expenses for anyone injured in the vehicle
Sitting the driving test
Read our full policy requirements here.
What our customers say
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.
How do I get learner driver insurance?
Learning to drive is an exciting journey, and getting the right provisional insurance is important for staying safe on the road. Here’s what you’ll need to get a quote:
Personal details
We’ll need a few personal details such as your name, address, and date of birth.
Occupation
Whether you work full-time, part-time, or if you're a student. Alongside what you do and who you work for.
Provisional driving licence
What your provisional driving licence number is.
Vehicle details
The vehicle’s registered keeper’s information, whether that’s you or someone else, and the registration number of the car you’ll be using.
What insurance does a learner driver need?
Practicing in your own car can help you get used to the controls and feel of the vehicle you'll be driving once you pass your test. Our learner driver insurance covers a variety of cars, giving you flexible and instant cover without any curfews, so you can practice driving whenever it suits you.
This way, you'll become more confident and comfortable driving on your own. See our vehicle eligibility criteria to make sure your vehicle is included.
Download the RAC Driving Theory Test App
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. Download the app on both IOS and Google Play below.
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.
Yes, you can get insurance with a provisional driving licence. RAC Learner Driver Insurance is designed specifically for drivers with a provisional licence. Get a quick quote.
The cost of learner insurance will vary depending on your situation and vehicle. The guide price for one day is in the table above.
Car insurance often costs more for 17 – 25 year olds because they are seen by insurers as posing a higher risk, often due to lack of experience. Statistically, they are more likely to be involved in an accident.
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.
Yes. To supervise a learner driver, the right insurance needs to be in place. If you’re taking them out in your car, check that your existing insurance policy covers learner drivers and that you meet the criteria to supervise a learner. If it doesn’t, there is the option to take out a separate learner insurance policy alongside any existing car insurance. This can protect your No Claims Discount should the learner have an incident whilst driving your car.
Find out more about supervising a learner driver.
You always need to have valid insurance in place before driving. If you’re taking professional lessons, you’ll almost always be covered by the driving instructor or driving school. However, if you’re learning privately, you’ll need to make sure you have provisional insurance in place. For driving your own car, you can take out specialist learner insurance. For driving someone else’s you can either be added as a named driver, if their policy covers learners, or take out a specific learner insurance policy.
Find out more about learner driver rules.
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.
Yes, as long as you’re taking your test in the car specified on the learner insurance policy. But please remember that cover stops as soon as you pass your test. You’ll need to make alternative insurance arrangements to drive the car back from the test centre.
Once you’ve passed your test, you’re a fully licensed driver and no longer a learner driver. With RAC Learner Driver Insurance this means that you won’t be covered to drive the car home from the test centre. You will need to arrange alternative insurance, even to drive back from the test centre. Remember it is illegal to drive without valid insurance.
If you hold a provisional licence, you can get a short-term, flexible learner driver insurance policy. RAC Learner Driver Insurance can be taken out from 1 day up to 5 months. You can manage the policy online to top up if you need to.
The cheapest insurance cover will depend on your personal circumstances. You should always shop around. There are specialist types of insurance aimed at helping young, qualified drivers save on their insurance. Black box car insurance monitors how you drive and rewards safe driving with lower premiums at renewal.
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.
With RAC Learner Driver Insurance, you can book as much or as little insurance as you need (from just 1 day up to 5 months) and be insured and on the road in 15 minutes. It's flexible, quick, and easy, with the ability to buy and top-up online 24/7.
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 policies are flexible in length, so only pay for what you need. You can insure from 1 day to 5 months.
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.
If you have RAC Learner Driver Insurance in place, then you can make a claim without it affecting the no claims discount of the car’s owner.
More details on how to get in touch about your learner insurance policy can be found on our existing customer’s page.
Prices depend on the make and model of the vehicle, as well as your address, policy duration and payment method. It’s easy to get a quote here.
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.