Learner Driver Car Insurance

We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Motor insurance is a compulsory legal requirement for anyone driving on the road. If you have a provisional driving license, you’ll need learner driver car insurance before you can start learning to drive in somebody else’s car. Learner driver insurance offers two levels of cover to protect you every time you’re using the car, without risking the owner’s No Claims Discount.

We can arrange two levels of car insurance: (1) Third-party fire and theft – cover to a third party for injury and damage if the car you’re driving is involved in an accident, and cover for your own vehicle as a result of fire or if it is stolen; (2) Comprehensive – also includes accidental damage to your car in the event of an accident.

Yes, we can arrange flexible cover – whether you’re going to learn in your own car or in somebody else’s. Get in touch with our friendly team on 01792 522 622

Yes, you will need somebody over the age of 25 and who has held a full UK driving license for a minimum of 3 years with you.e against you on your behalf

When you pass your test, your learner driver insurance will expire. Remember you’ll need to organise transport from the test centre to your home for when you’ve passed, as you’ll no longer be insured to drive the car you practiced in without a full, annual car insurance policy.

If you need to make a claim on your learner driver car insurance, the car owner’s No Claims Bonus will be protected. That’s because their insurance policy is independent from yours.

No. Learner driver car insurance is a short-term type of cover, so it won’t count towards your eventual No Claims Discount. This is not an annual policy, so you can buy it for as long or as short a time as you need. 

Yes, our friendly team of advisors are here to talk you through any questions about arranging your cover. They’ll guide you through the decision-making process with their specialist knowledge. If you’d rather speak to the same person every time you call us, just let us know.

Insurers may ask you to consent to a credit check for a quotation as it may affect the rate that they charge. In addition, a credit check is required if you choose to pay by instalments via our preferred provider, Premium Credit Limited.

This is the first part of each claim which you (not your insurer) must pay. There are two types of excess:

Compulsory excess - this is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular vehicle or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft, windscreen claims or malicious damage.

Voluntary excess - This will apply where you agree with your insurer to pay a greater part of each claim, in addition to your compulsory excess. A voluntary excess can be increased or decreased at your request during your online quotation and it may affect your premium.

A fault claim is any claim resulting in your insurer being liable (paying for the claim). For example, you are not to blame for a theft claim but your insurer would be liable, as they have no other party to recover the costs from.

If your insurer pays for your damages in the event of a claim, for example where a third party hit your vehicle, but then re-coups their costs via the third party's insurer, this would be a non-fault claim as your insurer was not liable.

Yes, you should inform your insurer of any incident the insured vehicle is involved in, so that your policy is always fully up to date, even if no claim is to be made. All incidents should be reported to 0800 9537 537.

If you choose an annual policy, you may prefer to spread the cost of your car insurance. If you would prefer to spread the cost of your car insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL). Direct Debit is only available for annual policies. 

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.