How do I get cheap learner driver insurance?
Learning to drive should be a new and exciting experience but the reality is that passing your test and getting your licence can be stressful and expensive. The cost of a provisional licence and professional lessons alone can cost over £1,00021.
Insurance companies base their policy prices on risk. That’s why learner drivers with little driving experience who are looking for an annual 12-month policy often struggle to find competitive insurance prices.
But there are ways that could help you save some money:
- Consider the car you drive
- Black box, or telematics
- Increase your voluntary excess
Consider the car you drive. All cars are grouped from 1-50 for insurance purposes. Generally, the higher the car insurance group, the more expensive your insurance will be. Cars with a more powerful engines, for example, are generally in higher insurance groups.
Black box, or telematics, is a type of policy that changes the price of your insurance based on how and when you drive. Your insurer will track how you drive using an app or a device that’s plugged or installed in your car. Safer driving is rewarded with cheaper insurance. Telematics can be a great way to make car insurance more affordable for young and inexperienced drivers.
Increase your voluntary excess to help reduce the price of your insurance. But remember not to go for more than you could realistically afford to pay if you needed to make a claim.
1Based on an average of 45 hours of lessons at £24 + a provisional licence cost at £34.
Need more help?
The driving test is continuously being updated to adapt to changes in driving technology and habits. In 2017, changes to the driving test included following directions from a sat nav. The independent driving part of the test also increased from 10ten to 20 minutes.
Reversing around a corner will no longer be part of the test, along with 'turn-in-the-road'. Instead you could be asked to do one of the following:
- Parallel park at the side of the road
- Pull up on the right-hand side of the road, reverse for 2 car lengths and rejoin the traffic
- Park in a bay - driving in and reversing out, or reversing in and driving out
Since June 2018, learner drivers can now take lessons on motorways but must be accompanied by a professional driving instructor. Any motorway lessons are voluntary and it’s up to the driving instructor to decide whether their learner driver is ready for them.