Experience you can trust
Covertime specialises in temporary insurance for learner drivers across the UK. Our team has decades of experience in short term cover, and we built Covertime to make it simpler and faster to arrange.
Daily learner driver insurance
Instant, comprehensive learner driver insurance by the day.
Get a price in under 60 seconds!
One hour to 90 days
Your own or someone else's car
Refunds for policies not started
Docs available immediately
Why choose
Covertime?
- Do everything online
- Comprehensive cover
- Protect existing No Claims Discount
- Get on the road in minutes
- Insure only for the time you need
- Docs available right after purchase
- Cover from one hour to 28 days
- Quick and flexible
What is
daily learner driver insurance?
Daily learner driver insurance lets you practise in someone else's car - typically a parent's, guardian's or grandparent's vehicle - without being added to their annual policy. It is a standalone policy in your own name, which means any claim you make does not affect the car owner's no claims discount.
Cover can be arranged by the day or by the hour, from one hour up to 90 days. You only pay for the time you need, making it a practical option for building up practice hours between lessons at your own pace.
It is Comprehensive as standard, meaning both you and the vehicle are properly protected while you are on the road. Documents are available immediately after purchase.
It is well suited to:
How much does daily learner driver insurance cost?
The cost of daily learner insurance depends on your age, location, the car you will be driving and the duration of cover. As with most insurance, younger and less experienced drivers typically pay more.
One important advantage of taking out your own learner policy rather than being added as a named driver on the car owner's annual policy is that any claim you make is handled under your own policy. The vehicle owner's no claims discount is not affected - which matters if they have built up several years of claim-free driving.
For more on how this works, see our guide on learner driver insurance on a parent's car.
You can take out multiple short term policies throughout your learning period, paying only for the sessions you need. If you are practising very regularly over a sustained period, it may be worth comparing the total cost against a longer policy.
Daily learner driver insurance specialists
We're specialists in short-term car insurance, built by people who've spent decades in the industry.
Fast, flexible cover in minutes
You can get a quote in under 60 seconds with no long forms. Everything is handled online and your documents are available immediately after purchase. If you need help, our live chat team is on hand - no call centre hold times.
Cover is available from one hour up to 90 days. Whether you are practising in a parent's or grandparent's car, the policy is in your own name and does not affect their no claims discount.
How can you get cheap daily learner driver insurance?
The most effective way to keep costs down is to only buy cover for the time you actually need to drive. Daily learner insurance gives you that flexibility - you are not committed to a monthly or annual policy.
If you only need a couple of hours rather than a full day, hourly learner insurance from one hour up to 12 hours may work out cheaper. You can take out a new policy each time you go out, paying only for the duration of each session.
When you pass your test, the policy simply ends. There is no annual commitment to unwind and no early cancellation fees.
Our daily learner policies are Comprehensive
What is covered?
- Damage to the car you're driving
- Theft or attempted theft
- Fire damage
- Third party: damage to other vehicles / property / injury to others
What isn't covered?
- More than one driver on a temporary policy
- Delivery, courier or taxi work
- Theft or damage due to neglect; such as leaving the car unlocked
- Wear and tear
What levels of cover does daily learner driver insurance have?
When you take out an annual car insurance policy, you’ll usually choose from three main levels of cover: Comprehensive, Third Party, Fire and Theft (TPFT), or Third Party Only (TPO); which is the minimum legal requirement for driving on UK roads.
Third Party Only covers damage or injury to other people, their vehicles or property but not your own. TPFT offers the same protection as TPO but also includes cover if your car is stolen or damaged by fire. Comprehensive cover goes further, including all the above plus protection for your own vehicle, even if an accident is your fault.
At Covertime, we only provide Comprehensive cover for learner drivers. It’s the most complete level of protection, which is ideal when you’re still learning and building confidence. It means that both you and the car you’re practising in are properly covered while you're on the road.
We keep things simple by giving you the best level of insurance from the start – no confusing options or compromises, just quality cover while you learn.
How to get daily learner driver insurance
Getting daily learner insurance with Covertime takes under a minute. Enter your details, get a quote, pay and your documents are available straight away.
Cover can start immediately or be set to begin at a future date within the next 30 days.
Who is
learner driver insurance suitable for?
Ages 17 and over
Holds a UK provisional licence
Practising with a qualified supervisor 21+
Vehicle values from £1,500 to £65,000
Benefits of daily learner car insurance
More driving practice
Get extra time on the road outside of lessons, which can help you pass your test sooner.
Comprehensive cover
Our learner insurance protects you, your passengers, your car as well as other people, property and vehicles.
Flexibility
Choose how long you need cover for: days, weeks, or months.
Quick, easy and affordable
Get a quote quickly, with a minimal amount of questions for just the length of time you need to drive to keep costs to a minimum.
How do I know my car is insured when using temporary insurance?
When you take out daily learner driver insurance with Covertime, your documents including your Insurance Certificate are available immediately after purchase. This confirms you are legally covered to drive during your chosen period.
You can also check the Motor Insurance Database (MID) - the UK's central record of insured vehicles. Because temporary learner insurance is designed to start quickly, your policy may not appear on the MID straight away. As long as you have received your documents, you are insured and safe to drive.
For more on what cover you need once you have passed your test, see our guide on insurance after passing your driving test.
Important info about learner car insurance
Our daily learner driver policies are designed to cover you only while you’re learning to drive. It’s important to understand the conditions so you stay insured and avoid any issues:
A learner driver must be supervised by a suitable person, aged over 25, who has held a full UK licence for at least 3 years, and will only be covered whilst being supervised to learn to drive with the supervisor in the passenger seat.
Cover ends as soon as you pass: Once you pass your driving test, your insurance stops immediately, even if you're just driving home from the test centre. You're not covered to drive after that point.
Let us know straight away: You must inform us as soon as you pass your test. This is so the policy can be cancelled properly.
Don’t drive without valid cover: If you keep driving after passing your test without having a new policy in place, you could be prosecuted for driving without insurance which is not the way we want your
If you're not the car’s owner: The registered keeper of the car (whether it's a parent or grandparent) must have their own insurance policy in place. This learner driver policy won’t cover them, it only covers you as the learner.
If you’re unsure about anything in your policy or need to make changes, contact us for help. Full details about cancellations can be found in your policy wording.
Can you get one day learner driver insurance?
Absolutely! If you’re practicing in a driving instructor’s car, the insurance is usually included in the cost of your lessons, but if you’re learning in your own vehicle or someone else’s, you’ll need a separate learner driver insurance policy to drive legally on public roads.
You can’t rely on the car owner's insurance unless you're added as a named driver and the policy explicitly covers learners.
Daily learner car insurance FAQs
Can a learner driver get insurance on their own car?
Yes, a learner driver can get insurance on their own car, as long as they have a valid UK provisional licence.
Learner car insurance allows you to practise in your own vehicle outside of lessons with an instructor, as long as you're supervised by someone who meets the DVSA requirements. It’s a good option if you plan to get plenty of private practice before your test. Some annual learner policies may also let you build up a no claims bonus.
Can you get learner driver insurance on your parents' car?
You can take out learner driver insurance on your parents’ car. This is a popular choice for many provisional drivers.
The insurance is kept separate from your parents’ main policy, so if you have an accident, it won’t affect their no claims bonus. You’ll still need to make sure the car is insured by the registered keeper throughout, and you must always be supervised by a qualified driver when practising.
What insurance does a learner driver need?
A learner driver needs valid car insurance that covers them while practising on public roads with a provisional licence. If you're taking lessons with an instructor, insurance is usually included.
But for private practice in your own or someone else’s car, you'll need learner driver insurance that meets UK legal requirements.
Can you get insurance with a provisional licence?
You can get learner car insurance with a provisional licence. Learner driver insurance is specifically designed for provisional drivers and covers you for supervised driving practice before you pass your test.
Can you get learner driver insurance without a main policy?
Learner driver car insurance is a standalone policy, so you don’t need an existing or main insurance policy.
It's separate from the car owner's insurance, which means it won’t affect their no claims discount if you make a claim.
When supervising a learner driver do you need insurance?
If you're supervising a learner in your own car, your vehicle must be insured for you to be legally on the road.
The learner also needs to be covered, either through their own learner driver policy or as a named driver on yours. If you're supervising in their car, you might not need insurance yourself, but the vehicle still must be insured.
Why can't I get learner driver insurance?
There could be a few reasons why you’re unable to get learner driver insurance:
- You're under the minimum age (usually 17)
- The car is too powerful or high value for learner cover
- You're trying to insure without a valid UK provisional licence
- The supervising driver doesn't meet legal requirements
If you’re unsure, it’s worth checking the policy criteria or contacting a broker for help.
Can you get learner driver insurance by the hour?
You can get learner driver car insurance by the hour with Covertime, from one hour up to 12 hours; it then can be purchased by the day, ideal for short practice sessions.
It’s a flexible and affordable option if you don’t need long term cover. We help you compare different durations so you can choose what's right for your needs. If you insure yourself for a few hours, but then need more time, simply take out a new policy for the time extension that suits you.
What happens to learner driver insurance when you pass your test?
Once you pass your driving test, your learner driver insurance ends immediately. You're no longer covered, not even to drive home from the test centre.
You’ll need to arrange a new policy as a qualified driver before you drive again. Unfortunately due to insurer requirements, you will need to have held your full licence for six months to be able to buy a standard temporary insurance policy with us.
Is insurance cheaper on a provisional licence?
Learner driver insurance could be cheaper than insurance for new full licence holders, because you’re always supervised and driving under more controlled conditions.
However, there are many variables and prices can still differ based on your age, the car, and how long you need cover for.
Can you get learner driver insurance and lessons?
If you're learning in your own car or a family member’s car, you can take out learner driver insurance and also book professional driving lessons separately.
If you're only using an instructor’s car, you likely won’t need your own policy, as insurance is usually included in the lesson cost.
How much does it cost to insure a 17 year old driver in the UK?
The cost of insuring a 17 year old varies, but learner driver insurance can be an affordable option for a 17 year so enter your details in our quote journey to get an accurate price.
Can you get learner driver insurance for a day?
Yes, you can get learner driver insurance for just one day. This is ideal if you want to fit in a short practice session or need cover for a single day before your driving test.
One day learner policies offer the same legal protection as longer term ones, as long as you're driving with a qualified supervisor and meet all the standard conditions. It's a flexible, affordable option if you don’t need ongoing cover.
Can I insure as a learner driver for three months?
With Covertime our learner driver car insurance can be for as little as one hour all the way or to a massive 90 days! Giving you plenty of time to practise and pass that test to get rid of your L plates and get on the road by yourself for the first time!
Can I get temporary insurance without a UK driving licence?
Yes you can get temporary insurance without a full UK licence, but you'd need a provisional licence and need to use our learner insurance.
If you have a full licence and daily car insurance, we can help with that too!
Did you know?
With learner driver car insurance the cover will cease immediately after the driver passes their driving test. This is because they're no longer a learner driver and will need standard car insurance!