Temporary Learner Driver Insurance

Temporary learner driver insurance, or provisional learner insurance is a popular choice for provisional drivers who want to get more hours of driving practice in, without the expense of driving lessons. All you need is access to a car and a suitable driving supervisor for practice sessions.

Get an Instant Quote from Go Shorty
Get an Instant Quote from Go Shorty
Cover Types

How long can I insure my car for?

When Do You Need Temporary Learner Driver Insurance?

Short-term learner insurance is a great option for anyone looking to get a bit of extra practice before their test. Our temporary learner driver insurance is flexible so you only pay for the hours, days, or weeks you need cover for. Our short-term cover takes the stress out of financing learning to drive.

Get an Instant Quote from Go Shorty
Get an Instant Quote from Go Shorty
What's covered

What’s covered may vary slightly between providers, but when purchasing a learner policy from us, you can generally expect the following:
All our policies, except for impound insurance, offer comprehensive cover. Be sure to check your policy documents for specific details on what your chosen learner insurance covers.
Flexible Duration – You’re covered for the exact duration you choose, perfect for learners who need driving test insurance or just need insurance for practice sessions. For example, if you select a one hour learner policy, you’ll be insured for that period. If you need more time, you can easily buy a new policy for however long you need
Third-Party Damage – You’ll be covered if you cause damage to another vehicle or property while driving.
Damage – Your insured vehicle will be protected against accidental or malicious damage.
Theft – Your car is protected in the event of theft or damage during an attempted theft.
Fire Damage – Your vehicle will be covered in the event of fire-related damage.
Owner’s No-Claims Discount Protected: If you’re borrowing someone else’s car to practise, knowing the owner’s no-claims discount is protected in case of a claim provides both you and the owner with extra peace of mind on the road.

Optional Extras (Excludes Impounded Vehicles)

While comprehensive cover offers excellent protection for the insured vehicle, there are additional options you might want to include for extra peace of mind whilst out practising your driving:
Breakdown Protection Cover – For as little as £1.49, add breakdown protection to your policy. This includes roadside assistance, local recovery, nationwide recovery, and up to £250 towards alternative transport to complete your journey if needed.
Legal Protection Cover – If you’re involved in a non-fault accident and need to take legal action to attempt to recover your uninsured losses, this extra can help cover the associated costs in some cases.

Eligibility Criteria

🚘 Vehicle Specs & Value

Eligible vehicles are limited to private cars with an ABI grouping within set limits and a value between £1 and £50,000. The car must have a valid MOT, must not be declared SORN, and must be right-hand drive and non-imported. The configuration is limited to 5 seats or fewer, and while the car must be unmodified, factory-fitted extras, LPG conversions, and disabled modifications are accepted.

🛠️ Condition & Modifications

Cover is strictly for Social, Domestic, and Pleasure purposes only and requires an underlying policy to be in place. All journeys must start and end within the UK as foreign use and vehicle exporting are not permitted.

🌍 Usage & Travel

The policy excludes vehicles used for motor racing, track days, motor trade, hire and reward, or carrying hazardous goods. It cannot be used at hazardous locations or for seized vehicles unless specific impounded cover is selected. Additionally, there is no cover for cars owned, rented, or supplied by accident management, credit hire, or claims companies.

🚫 Exclusions & Ownership

Rental/Hire: Must not be a rental or hire vehicle
Impounded Vehicles: Not covered (unless specified as impound release cover)
Claims/Credit Hire: No cover for vehicles owned, operated, or hired from Claims, Credit Hire, or Accident Management Companies

👤 Driver Eligibility

Be aged 17 to 75
Hold a UK Provisional driver’s licence
Not have had any claims, regardless of fault
Not have had any penalty points
Have a current permanent address as stated throughout this application, (please note you may be asked to provide proof of residence in the event of a claim)
Be supervised by a suitable person aged over 21, as required by law. However, some policies may require supervisors to be over 25, so always check your specific policy requirements.

Frequently Asked Questions

Do learner drivers need insurance?

Yes, you must be insured when practicing in a friend’s or family member’s car. It works alongside the owner’s existing policy, and you can have documents in your inbox in minutes.

Can I learn in someone else’s car?

You are permitted to practice in another person’s vehicle as long as you have a temporary learner policy and are under suitable supervision.

Who can supervise me?

You must be accompanied by someone who is at least 21 (though some policies require 25+), holds a full UK licence, and has at least 3 years of driving experience.

What happens once I pass my test?

Your learner insurance becomes invalid the moment you pass. You have a 3-hour grace period to drive home from the test center, after which you must take out a standard temporary or annual policy.

Lets Get Started

Take control of your coverage with confidence.

Our team is responsive, knowledgeable, and ready to guide you—just reach out and let us know how we can support your query.

Get in Touch
Get in Touch
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Quicklinks
© Copyright - Grow Money Group 2025
GMG Insurance Brokers is a trading name of Grow Money Group Limited. Grow Money Group Limited is registered in England and Wales. Registered address: 71-75 Shelton Street, London, WC2H 9JQ. Company No. 16578730. Grow Money Group Limited is an Appointed Representative of Movo Partnership Ltd, who are directly authorised and regulated by the Financial Conduct Authority with registration number 823503. Registered Office: First Floor, 30 High Street, Chislehurst, BR7 5AS Registered in England and Wales No: 11544238.