Learner driver insurance
You need insurance that specifically covers you as a learner before any private practice. In your own car, you need your own learner policy. In someone else’s car, you can be added as a named learner or use separate learner cover for that vehicle.
Can this practice drive happen?
Not ready to supervise yet
Some insurers set a higher minimum, often 25.
The car must also be
- Taxed and registered with DVLA
- Covered by a valid MOT where required
- Safe to drive, with legal L plates front and rear
- Used away from motorways during family or friend practice
This tool explains the general rule. Your insurance policy can impose additional conditions.
Practising in your own car
You must be the registered keeper and hold your own policy that covers you as a learner driver.
Practising in someone else’s car
Either join the owner’s policy as a named learner or hold separate learner cover for that car and use.
Never assume the supervisor’s policy covers the learner.
Driving uninsured can mean an unlimited fine, a ban and up to 8 penalty points. Ask the provider whether a claim affects the owner’s no-claims discount and whether instructor lessons in the car are covered.
Plan the session as carefully as the cover.
Once the legal checks are complete, agree the route, instructions, feedback and stopping rule using the private driving practice checklist for families.
Learner insurance questions
Do I need learner driver insurance to practise in my own car?
Yes. If you own the car, you must be the registered keeper and have an insurance policy covering you as a learner driver.
How can I be insured in someone else’s car?
You can be added to the owner’s policy as a named learner driver or take out separate learner driver insurance that covers the practice.