Compare annual learner driver insurance via Brumble, whether you're practising in your own car or a family member's. Plus the rules you need to know.
Compare annual learner driver insurance via Brumble.
Cover to practise in your own car or someone else’s.
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We're partnered with Quotezone.co.uk. As an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone.co.uk (FCA FRN: 313860), we receive a commission if you purchase insurance products through the link above. We do not provide advice or make recommendations. Your choice of provider is entirely your own.Learner driver insurance, sometimes called provisional driver insurance or provisional licence insurance, covers you to drive a car while you're learning, with a qualified supervisor beside you. You need it to practise in your own car or someone else's. Lessons with a driving instructor are usually covered by the instructor's own insurance.
Via Brumble, you can compare annual learner policies, which can suit learners who practise regularly or have their own car.
Before you practise, make sure you:
You can drive at any time, day or night.
Driving without the right supervision can mean a fine of up to £1,000 and up to 6 penalty points on your provisional licence. Driving without insurance can mean an unlimited fine, a driving ban and up to 8 penalty points.
There are three main ways to get covered. The right one depends on whose car you're using and how often you'll practise.
| Option | How it works | Things to know |
|---|---|---|
| Named driver on someone else's policy | The learner is added to the car owner’s insurance. | If the learner makes a claim, the owner's no claims discount could be affected. |
| Your own learner policy | The learner takes out cover in their own name, which can be annual. | Keeps claims separate from the owner’s policy. Annual cover can suit regular practice or your own car. |
| Short-term learner cover | Cover for a set number of days or weeks. | Can suit occasional practice or the weeks before a test. |
Want cover for just a few days or weeks? See our guide to temporary car insurance.
If you've bought your own car to learn in, you'll need a policy that covers you as a learner on that car. Annual policies are often the way to do this, as some short-term learner policies only cover a car that belongs to someone else.
Your supervisor will usually be covered to supervise you on your policy. If they might need to drive the car themselves, check the policy covers that too.
Practising in a parent's car is one of the most common ways to learn. There are two main ways to get covered:
Your parent can supervise you if they meet the supervisor rules below.
The person sitting next to you must:
They should also be fit to supervise, including being under the drink-drive limit. Some insurers require the supervisor to be over 25, so check the policy before you start.
Practising with a parent? Read our guide to whether your parents can teach you to drive.
Yes. Other passengers can be in the car while you practise, as long as they don't distract you. Your supervisor must sit in the front passenger seat.
As the driver, you're responsible for making sure any passengers under 14 wear a seat belt or use the right child seat.
The price depends on things like:
Compare annual learner driver insurance quotes via Brumble in around 3 minutes.
Compare QuotesMany learner policies cover you to take your driving test in your own car, but not all do. Check your policy before you book.
Once you pass, a learner policy usually stops covering you, as you're no longer a learner. Some annual policies can carry on after you pass, often at a new price, so check with your insurer before your test day.
Make sure you have cover as a full licence holder before you drive on your own.
Common questions about learner driver insurance.
Sources: GOV.UK guidance on learning to drive and supervising a learner driver. Checked October 2026.
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