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Your guide to learner driver insurance

5 minutes

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You’re taking to the road for the first time! Make sure you choose the right insurance to avoid more stress than necessary...

When receiving informal lessons from a loved one, it helps you both avoid more stress than necessary should things not go exactly to plan. With Flow, you don't even need a black box.

Read on to find out what different insurance options are available to learner drivers and how to choose the right policy for you.

Do learner drivers need insurance?

Yes, car insurance is a legal requirement for anybody driving a car. Learning to drive is an exciting experience, and you’ll never forget the thrill of mastering clutch control, three-point turns and even tricky roundabouts for the first time. Car insurance you can rely on gives you the freedom to legally drive on UK roads when you only have a provisional licence.

How does learner insurance work?

You probably don’t have your own car already, in which case you’re most likely relying on using a friend’s or family member’s. Either way, you’ll need to become a named driver on their policy.

Your loved one could formally add you to their existing car insurance policy, covering you for any mishaps or bumps in the road when you’re receiving driving lessons from them. Just bear in mind, this may not always be very cheap, and any accidents could cause your friend or relative to lose their no claims discount.

Who can supervise a learner driver?

It goes without saying that qualified instructors are allowed to accompany learner drivers during formal lessons. But you’ll need to keep certain rules in mind when receiving learner driver supervision from a friend, parent or another relative.

Your supervisor will need to:

  • Be at least 21 years old.
  • Have owned a full driving licence for a minimum of three years.
  • Be qualified to drive the type of vehicle you have a licence for. For example, if you’re learning in a manual car, they’ll need a manual licence.

Can I get specific learner driver insurance?

Yes, but not with Flow. If you have a provisional driving licence, some providers let you cover yourself with specific learner driver insurance, but most require you to be added to a family member’s policy.

If you’re driving your instructor’s car, generally, your car insurance needs should be taken care of when you book formal lessons. Your insurance cover is usually built into the price you pay for each session. However, always double-check that this is the case.

If you’re looking for cover on your own car, then Flow can help you. If you’re lucky enough to have a vehicle of your own, you’ll likely need a full car insurance policy and the person supervising you during lessons can then be added as a named driver.

Getting the right insurance for a learner driver

It’s important not to rush any decisions when it comes to learner driver insurance. Your choice of supervisor and the car you plan to use are some of the main factors to consider.

Follow these steps to make sure you get the right policy for you:

  • Decide on a supervisor. Professional lessons from a qualified instructor generally won’t require you to take out insurance. But you’ll need to do some homework if you’re opting for less formal sessions with someone you know.
  • Choose a car to learn in. You’ll need to research a full car insurance policy if you plan to use your own vehicle. Other learner driver insurance options are available when using someone else’s car. These include buying a specific learner policy and getting added to a loved one’s existing insurance as a named driver.
  • Shop around. Searching for a policy isn’t just about comparing learner driver insurance costs. Instead, look for a deal that combines a fair price with a suitable policy length and level of coverage.
  • Watch out for any restrictions. Make sure your supervisor meets any age and licence restrictions advertised with a policy.


Under provisional licence driving rules, learners always need to have a recognised form of car insurance when using the country’s road network. This applies whether you’re taking professional lessons, receiving learner driver supervision in a friend or parent’s car, or using your own vehicle.

Insurance is one of the biggest costs when learning to drive. But it’s vital in financially protecting you and your fellow road users if you’re involved in an accident. The rules are strictly enforced – you could end up with a driving ban, an unlimited fine, or up to eight penalty points if you drive without proper insurance.

Once you’ve passed your test, you can stay with the same insurer, but you’ll need to let them know the good news. And you’re always free to change providers to find the best car insurance policy for you.