Learner Driver Insurance
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Does a learner driver need insurance?
According to the RAC, it takes a learner driver 45 hours of instruction and 22 hours of independent practice to pass their driving test. While it’s likely that they are covered by the driving school during their lessons with a professional instructor as part of the lesson fees, having their own insurance is mandatory for any hours of independent practice.
The hours of independent practice can take place with any adult over the age of 25 who has held a full UK driving licence for over 3 years, in any weather conditions and at any time - but they must take place while the learner driver has insurance coverage.
How does learner driver insurance work?
If you are already an esure customer, it is possible to add a driver to your insurance temporarily. We can cover up to 7 weeks, as this is the maximum amount of time we can cover a driver in this capacity. You can get a quote online, or give us a call on 0345 045 1000 to discuss your options further.
Once the learner driver passes their test and becomes a fully licenced driver, they can be added to your policy as a named driver. Or, if they have their own car, adding them to a multicar policy might be a better option.
Provisional drivers can only be added over the phone unless at the start of the policy and they have to be over the age of 21 years.
What does learner driver insurance cover?
Learner driver insurance covers many of the same things as your regular coverage, but we’ve highlighted a couple of points that are more specific to learner drivers below:
|Driving during professional lessons||Learner drivers are generally covered by the driving school during their hours of professional lessons, and coverage is usually included in the tuition fees for the course.|
|Practicing with family members||Whether practicing with a family member or another person over the age of 25, a learner driver would be covered by learner driver insurance for these hours of practice.|
Other Optional Extras you can get with your car insurance
These great Optional Extras can help enhance your cover.
Motor Legal Protection
Up to £100,000 legal costs to help you get back uninsured losses from the at-fault driver. These can include money for lost wages, if you had to take time off work after the accident, or travel expenses while you were without you car. If we think your claim can be successfully pursued in court, the MLP £100,000 limit can help.
MLP can also be used to cover your legal cost up to £100,000 if you’re facing prosecution for a motoring offence.
We’ve partnered with the RAC, never get stuck on the road again–choose between 4 levels of breakdown cover.
*Completed car claims in 2018