How to Choose the right Temporary Learner Insurance

Did you know that learner drivers can get a temporary learner insurance for a defined period? For parents wanting to teach their kids how to drive but are worried about compromising their no claims discount, you don’t need to worry, if you need help *choosing the right temporary learner insurance from the multitude of options available to you regardless of your situation then this post is for you. So, what is the cheapest way to insure a learner driver?

When I was a learner driver, my dad taught me how to drive starting with the basics through to how to drive so that when I went with an instructor I already had the confidence and experienced, although I am not sure if we took out temporary learner insurance back then. I think nowadays it is important for parent’s peace of mind and to save money especially in our current unprecedented times to take our a temporary learner insurance for your kids.

*This is a collaborative post, all opinions shared are my own.

How to Choose the Right Temporary Learner Insurance

Learning how to drive is one of the best life skills that everyone who is able should aim to get as it truly changes everything. I have no quarrel with public transport but in the past I spent enough money and tears to ever be without my car. The freedom driving gives you is unparalleled, you can go anywhere at a moments notice and don’t need to wait around guessing when the business or train will finally arrive.

When I was a learner driver, I couldn’t wait to gain the freedom and be driving my own car to destinations near and fun and right now I am thankful that I am able to drive. For many learner drivers I am sure it is your dream as well to become a driver but before then, you need to pass your test and in the interim make sure you have the right insurance for your situation. Choosing the right temporary learner insurance all boils down too what is your current situation?

So, how do you go about choosing the right temporary learner insurance?

• Think about the cost – temporary learner insurances are generally cheap and can be taken for a short term. It is often recommended to take one up until you pass your test then get a full license. It is often cheaper than being added to someone’s license as an additional driver
• Whose car can you use – as a learner, you can have your own car but you can not drive along without someone who had passed their test previously and has experience. Your own car is better but if you don’t have one you can always use your friend’s car or guardian.
• What about my own car – if you are fortunate enough to already have your own car, you can take out a normal insurance but inform the insurance company that you are yet to get a full license then have it amended once you get your full driving license.
• Do I need excess cover – yes, most insurers will require an excess cover of about £250, this is the money you will contribute towards any accidents that you might be involved in.
• Can I pay as I go – yes, this is a possibility with most insurers in hopes of making it more flexible for the learner driver to only use it when needed.
• You don’t need it if you use an instructor – if you are getting lessons from a certified driving instructor, you don’t need to get a learner license as this is covered in your cost of the lessons.
• What type of cover – often insurance companies will provide comprehensive cover for the temporary learner insurance so that in an event of an accident, you are covered for damages or any payouts that might need to be made.
• Should you declare accidents to future insurers – yes but this will also mean that you won’t get many cheaper quotes as a new driver but it is still important to declare any accidents whether your fault or not that you had on your temporary learner license.

Why is it important to get car insurance?

I have always been taught its important to ensure you have ‘all types’ of insurances for the uncertain future and to cover yourself for all eventualities. As a homeowner, I have a load of insurances for different things, as a driver and car owner, I have car insurance and so on. I never truly appreciated my car insurance until we need to use it when I was involved in a car accident a couple years back. Luckily for me, I wasn’t at fault and the other party paid for everything.

Even though I wasn’t at fault, I am still glad I have comprehensive cover and the other party did too. My car was a total wreck and it needed extensive repairs and in the interim I needed a courtesy car to go about my daily life. Thanks to the type of insurance I had, I had road side assist if I broke down on the side of the road, I had courtesy car cover for when I couldn’t use my car whilst its being repaired and much more. If the other party did not have car insurance, it would have cost them £££ especially since my car was new.

The importance of car insurance regardless of the type should not be under estimated, make sure to get the right cover. For learner drivers, you have often – be added to your parent’s insurance as a named driver (this is expensive and risky for your parents), get normal insurance on your own car but inform the insurance company you are yet to get a full license (also you can’t drive on your own), go with a certified instructor meaning you don’t need any extra insurance or better yet, get a temporary learner license that suits your needs.

Have you ever heard of temporary learner insurance? Hope these tips on how to choose a temporary learner insurance are useful