Short Term & Annual Policies for Learners
Comprehensive Cover – Certificate Emailed Instantly
Cover for Practising in Someone Else’s Car
Insurance for Learning to Drive in Your Own Car
You can now cover yourself to learn to drive in your parent’s or a friend’s car – without the hassle of going through their insurance or affecting their policy.
You can also decide how many days you want to be covered for. Practice as much as you want to. Buy again if you need to.
Been searching for ages to find an insurer who’ll cover a learner driver, in their own car, at a fair price?
Search no more, our owner policies are exclusive to learner drivers, and it’s the only policy you’ll need! We even offer annual policies for owners to be covered up to a whole year.
Just a few simple questions required.
Confirm licence number & address
Review your price and pay by card online
Insurance documents instantly emailed
That’s it! You’re covered to start learning
Confirm licence number & address
Insurance documents instantly emailed
flexible learner insurance for owners and non-owners
We hold an excellent rating on our official Trustpilot page from thousands of customer reviews.
We offer flexible periods of cover because we want to make driving practice accessible as possible.
No more never-ending phone calls to insurers, you can purchase cover in minutes with us.
We are constantly reviewing our rates to stay competitive in learner insurance.
Learning in a Borrowed Car – 'Yes' and the vehicle must remain insured for the duration of the policy.
Learning in your Own Car – 'No' if the car is owned and registered in your name, this is the only policy you require to be legally insured on the road.
A learner driver will often look to learn in a borrowed car, or one they own themselves. Learner driver insurance can cover both these options, but the way the cover works is slightly different for each case.
When the learner uses a borrowed car, the learner policy acts as a separate independent insurance just covering the learner driver when they are driving. The car must already be insured by its owner under a separate annual policy for when the owner uses the car. The advantage of this type of policy is that the owner avoids risking the No Claims Bonus earned under their own policy, as a claim originating from when the learner is driving will be made under this learner policy instead.
We also provide both short-term and annual insurance for learners who will be learning to drive in their own car. In these scenarios, this would be the only active insurance policy required on the car.
For our insurance cover, the criteria is slightly more than the legal requirements when it comes to an accompanying driver with the learner. You must have a qualified driver sitting next to you aged over 25 and holding a full UK, EEA or EU driving licence for a minimum of 3 years.
No. Our 'learner driver with a borrowed car' policies are a separate policy to cover the learner driver only. The claim would come under this policy only, not the owner's policy. So in this scenario, this will not affect the No Claims Bonus of the owner of the car in the result of a claim.
Unfortunately, we do not provide cover for learners over the age of 30. We offer borrowed car policies to learners aged 17-30. We offer owner policies to learners aged 17-25.
We have a different set of criteria for each of our policies. Please click the links below for each policy's set criteria.
Borrowed learner policy acceptance criteria
Owner learner policy acceptance criteria
Annual learner policy acceptance criteria
Our policies cover the learner driver to drive the car only. We cannot provide additional driver cover for parents or supervising drivers. If they want to cover themselves to drive separately, they can take out a temporary policy through www.skyinsurance.co.uk/compare
.
All our learner policies offer a comprehensive level of cover, which covers damage to the car you are driving, as well as any third party, if you are involved in an accident.
Our 'Learner in a Borrowed Car' policies have a standard policy excess of £500. The 'Learner in Own Car' policies have a standard policy excess of £750.
Our learner insurance policies are sold packaged with an Excess Reduction policy, which means you can claim back part of the excess, reducing the level of excess you will be 'out of pocket' for, this will be referenced in the quote.
Yes, these policies cover you whilst taking your driving test, provided the Driving Test occurs during the cover period. The DVSA Driving Examiner is treated as the 'accompanying driver' during the test and that is acceptable on these policies.
Due to the short-term nature of these policies, once payment has been authorised you are unable to make any changes or alterations to the information you have originally provided.
If your policy is less than a month in duration
Unfortunately, we cannot offer refunds for any "unused" periods of insurance on policies that run for less than a month. If you wish you cancel your policy, we can do that, however, we can’t offer a refund.
If you have a policy that runs longer than a month in duration:
If less than 14 days has passed since you received your policy documentation and you haven’t made a claim, you have the right to cancel and receive a refund of the unexpired period of insurance. However, please note an administration charge of at least £100 will apply.
We have a live chat facility on the website which offers support from 9am-5pm Monday to Friday. We are open between 9am-1pm on Saturdays.
Email: [email protected]
Email: 01707 624 785
Please note we cannot take payments over the phone.
