Learner Driver Car Insurance
Zego
- Annual Learner Driver Insurance
- Annual learner & provisional driver insurance
- With app-based telematics car insurance you can enjoy black box prices, without the hassle of a box.
Personalised pricing based on your driver rating
Easy-to-use app, with all your documents to hand
Quick access to our award-winning claims team
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Get on the road in minutes with a personalised learner car insurance quote
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- How does provisional insurance work?
- Learner driver insurance, or sometimes known as provisional insurance, is a policy designed specifically for people who are learning to drive. It lets you get behind the wheel of your own car, or a friend or family member’s, while staying fully covered. This type of insurance makes sure you’re legally protected during private practice sessions and that you meet DVSA requirements for learner drivers.
Compared to being added as a named driver on someone else’s policy, learner insurance can often work out cheaper. It also protects the car owner’s No Claims Discount, which could otherwise be affected if an accident happens while you’re learning. If you insure your own car as a learner, you can even start building your own No Claims Discount helping you save on future premiums once you’ve passed your test.
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- What does our car insurance for learner drivers include?
- We currently offer fully comprehensive annual cover for learner drivers aged 25–60, giving you (and your loved ones!) peace of mind while you’re on the road.
Our cover includes:
Everyday driving and commuting to a single place of work or study (SD&P)
Personal accident cover up to £5,000
Key and lock cover up to £500
The loss, damage or theft of your vehicle and its spare parts
Personal belongings cover up to £300
Audio, communication and navigation equipment cover up to £500
Costs for causing damage to other vehicles or property up to £5m
Windscreen cover (£25 excess for repairs or £150 for replacement)
Courtesy vehicle while yours is being repaired (with an approved repairer)
- Learner insurance that moves with you. It starts with Sense.
- Pick a Sense policy – our app-based telematics insurance. Drive well, and you’ll get a renewal quote that reflects it. Simple as that.
100% app-based telematics policy – no black box needed
Premiums based on how you drive, not just your age or job title
Get real-time driving insights sent straight to your smartphone
Manage your policy anytime in the Sense app
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- Who can supervise a learner driver?
- When you’re driving with learner driver insurance, you must always have a supervising driver with you. They need to sit in the front passenger seat and be ready to offer guidance, advice, and support while you drive.
- It doesn’t have to be the car owner who supervises you, but whoever does must meet a few key requirements:
They must be at least 21 years old
They must be qualified to drive the same type of car you’re learning in (for example, they need a manual licence if you’re driving a manual)
They must have held a full UK or EU driving licence for at least three years
- No black box required – just your smartphone
- Our app-based cover, Sense, gives you a price that reflects how you actually drive – not outdated generalisations.
There’s no black box to fit and no need to visit a garage. Sense runs through your smartphone, using its sensors to understand your driving behaviour.
You’ll also get insights and tips to help you build safer habits, helping you become a better driver.
How telematics works
With Sense, there is no physical black box required.
Your driving data is collected through your smartphone
The app monitors your driving over time using sensors
Your driver rating reflects your habits
Higher driver ratings earn you a personalised renewal quote
Easy and quick to download
Am I eligible?
Check if we can cover you before you begin.
You’re 25–60 years old
You live in the UK
You have no previous claims or motoring convictions
You hold a full or provisional UK driver’s licence
Your car is valued at less than £30,000
- What are the benefits of learner driver insurance?
- Build confidence faster
- Get used to your own car’s controls, mirrors, and handling. Familiarity helps you feel calmer behind the wheel and more in control, making your lessons (and test day) a lot less stressful.
- Save money while you learn
- Practise as often as you like without paying for extra instructor time. With flexible learner driver insurance, you can top up your hours at your own pace and budget.
- Practise real-world routes
- Drive on the roads you’ll actually use, from your commute to your local test centre. Learning in your own car helps you get comfortable with real-life routes and everyday driving situations.
- Fast-track your No Claims Discount
- Start building your No Claims Discount before you’ve even passed your test. With learner driver insurance, every claim-free day counts, helping you save money when you switch to a full licence policy later on.
- Protect your car and your confidence
- A dedicated learner insurance or provisional insurance policy keeps both you and the car owner’s insurance safe. Unlike being added as a named driver, your learner driver insurance policy runs independently, so any accidents won’t affect the car owner’s No Claims Bonus.
- Learn in your own car
- With learner driver insurance, you can learn to drive in your own car rather than just your instructor’s. This helps you build familiarity with your own controls, mirrors, and handling, making you more confident and comfortable when it’s time to pass your test. Plus, having your own insurance policy for learner drivers means you’re covered for private practice alongside professional lessons.
Car Insurance that moves with you. It starts with Sense.
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