Hourly learner insurance

The cost of getting learner insurance hourly varies depending on factors such as your age, experience, where you live, when you need cover, the car you'll drive and how many hours you need to drive it for.

Short term learner policies by the hour can be very affordable if you just need to practice for an hour or two at a time. Our learner driver insurance can go all the way to 90 days, so longer policies will usually be more expensive.

Adding a learner to an existing policy as a named driver is another option, but if there is a claim it will effect the main policy. This is unlike learner driver insurance where it keeps claims separate and would not impact existing NCD of the car owner.

The premium you will pay for your temporary learner car insurance will depend on a number of factors determined by the insurers.

If you only need to drive a car for a small amount of time, then a temporary car insurance policy might be an affordable option for you. However, the longer you need to insure yourself on the car for, the more it will cost.

You can buy multiple temporary car insurance policies throughout the year, but at some point an annual car insurance will become more cost effective, if you're always using the same car.

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.

Getting hourly learner insurance with Covertime is simple and faff-free!

You want to get out on the road, and we get that, which is why it doesn't take ages to get a quote online. We've made sure it's as quick and easy as humanly possible to get an hourly learner driver insurance quote. You can get a quote in a flash with our simple quote process, get that practice in pronto and on the road to passing your test with flying colours!

When you take out hourly learner driver insurance with Covertime, you can be confident you're properly and comprehensively insured. We work with a trusted panel of UK insurers who are super experienced in providing short term cover for learner drivers.

As soon as you buy your hourly policy, we’ll email you confirmation along with your official policy documents, including your Insurance Certificate. This confirms that you're legally covered to drive during your chosen period of practice.

You can also check the Motor Insurance Database (MID) – the UK’s central record of insured vehicles. However, because temporary learner insurance is designed to start quickly, your policy may not appear on the MID straight away. Don’t worry – as long as you’ve received your documents from us, you’re insured and safe to get behind the wheel.

Whether you're practising for your test or building confidence with extra private lessons, your Covertime policy has you covered.

Our hourly learner 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.

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.

The most common situation is a learner with a test booked in the coming days who wants a single focused practice session in a parent's car - revisiting a junction they found difficult in lessons, going over a specific manoeuvre, or practising a route they will cover in the test. An hour or two of cover is significantly cheaper than a full day's policy for a session that will not last more than a few hours, and it runs in the learner's own name so the parent's no-claims discount is protected throughout.

Covertime Limited is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 1022738. You can verify this on the FCA register. Covertime is also a member of the British Insurance Brokers' Association (BIBA) - the UK's leading professional body for insurance brokers and intermediaries. You can view our BIBA listing in their broker directory.

Over 700 customers have rated us 4.8 out of 5 on Trustpilot. Our learner driver insurance is also listed on Compare the Market, GoCompare and MoneySupermarket - each of which independently vets the providers they feature before making them available to customers.

Our learner driver insurance policies are underwritten by FCA-authorised UK insurers.

Buying insurance from an FCA-regulated firm means you have defined protections. If you have a complaint that Covertime cannot resolve to your satisfaction, you have the right to refer it to the Financial Ombudsman Service - a free, independent service for consumers. The Financial Services Compensation Scheme (FSCS) may be able to provide compensation if a regulated firm cannot meet its financial obligations. If your policy has not started, you can cancel for a full refund.

Not all providers offer genuine hourly learner cover. A regulated firm listed on Compare the Market, GoCompare and MoneySupermarket means the policy is legally valid for the specific hours purchased - each hour correctly documented - and you can cancel for a full refund if the cover has not started.