Our guide to learner driver insurance

So, you’re learning to drive. The freedom, the excitement, the pride of owning your own car – there is a lot ahead of you to look forward to. Your first road trip with friends, driving on holiday, and the sheer relief of not waiting around for busses; in a few short months there will be plenty of motoring excitement in your life.

Firstly though, there are a few small hurdles to overcome before you’re let loose on the road; lessons, tests and a huge bill stand between you and driving bliss. From the cost of lessons and licences, to buying a car, road tax and an MOT – your bank balance probably won’t know what hit it.

On top of all the costs, some of which will hopefully be covered by generous parents, you also need to find, and pay for, car insurance. Car insurance comes in all shapes and sizes, but is a legal requirement – so sadly isn’t something you can skip.

The world of car insurance can seem a little scary at times, full of facts and figures, its own language and jargon. You’ve probably even heard people in the past, maybe your parents, talking about their renewals or how much their new insurance might cost – and it’s hardly likely to have filled you with confidence.

Thankfully, with Adrian Flux, you can find a better way to take care of your car insurance; a way that leaves you free from worry, stress and unnecessary cost.

To help keep your premiums down, Adrian Flux offers specialist learner driver insurance – policies that provide all the cover you and the car owner need, without the cost of adding you on to a full policy.

Learner driver insurance is available as a monthly policy, meaning you only pay for the period that you need, saving you money compared to an annual policy. We also ensure that the owner of the car won’t lose their no claims bonus if a learner has an accident in their car – providing peace of mind for your parents.

What’s more, you can drive any car up to an insurance group 30 and valued up to £20,000, so mum or dad doesn’t need to drive a supermini for you to get on the road cheaply.

Throughout this guide we’ll provide you with handy tips to help you get the right cover, at the right price.

Should I take out my own insurance or be added to my parents’ car?

When you’re first learning to drive, it’s difficult to know what to do about car insurance.

Harry Dodds, an Adrian Flux customer from Norfolk, was one of the first to take out learner driver cover when he was 17.

Learning in his dad’s VW Passat, Harry took out a three month policy costing £175 – saving a massive £750 compared to being added to his father’s annual policy.

The total policy premium was £450 to cover both Harry and his dad, but adding Harry as a named driver to an ordinary policy would have cost £1,800.

“This policy is an absolute no-brainer for learner drivers,” said Harry’s father. “It’s a win-win situation – saving us a small fortune in premiums and protecting my no claims bonus if Harry were to have a bump.”

Harry added: “It enabled me to get in some valuable extra practice and to pass my test sooner, saving more money on lessons and insurance in the long run. I think this is the perfect policy for learner drivers.”

What is the cost of insurance for learner drivers?

Practice is important whenever you’re learning anything new. And when you’re learning to drive, practice in either your own or your parents’ car can possibly lead to savings too.

We’ve looked at the costs for a learner driver who lives in the NG5 area of Nottingham, and has the average number of 45 hours of lessons at £25 per hour. The total cost of learning to drive could possibly be £200 cheaper if the driver takes out a learner policy and has access to a car to support the lessons.

The infographic below explains this in more detail. But with these kinds of savings, you could also: buy a £140 sat nav, renew your car mats at £14, fill the petrol tank with £50 of fuel, treat yourself to a £11 drive-thru meal, get a £4.99 air freshener and £4.99 furry dice. And you’d still have 2p in change.

How to find the right car insurance for you

How to find the right car insurance for you.

For first time drivers, insurance can be a bit of a minefield. Packed with insurance jargon, almost its own language in fact, even just finding out what you want and how to get it can be a fraught experience. There are all sorts of options, extras and add-ons that you can take when you buy car insurance, so how will you know which is best for you?

Here are just a few of the most common terms that you will come into contact with when you look for car insurance.

Levels of cover

Some of the most common things you will see are the terms ‘fully comprehensive’, ‘third party only’, and ‘third party, fire and theft‘. These explain what you will be covered for – with higher levels of cover often costing a little more, but providing better protection. Third party only is the minimum you need, as the law says that you must have enough protection to at least pay the costs of someone you crash into.

Discounts and add-ons

Keep your eyes open for discounts and add-ons of all varieties. From discounts for certain cars or drivers who have taken advanced courses, through to cheaper premiums once you have more experience and limited mileage policies – there are plenty of opportunities to save money.

Add-ons, like breakdown insurance, windscreen cover, or cover for lost keys also provide ways to increase the level of cover you receive and manage your premium.

No Claims Bonus (NCB)

A no claims bonus is exactly what it sounds like; a discount offered by insurers based on your driver and claim history. While for learners and new drivers this will obviously start at zero, after several complete years you could rack up a bonus worth hundreds of pounds.


Be careful of exclusions and conditions when applying for car insurance. Many cheaper insurance policies could enforce rules about a driver’s age or the insurance band of their car, meaning learners may either be refused cover, or forced to pay over the odds.

When looking for your first insurance policy, a specialist insurer may be best for you. Adrian Flux offers learner driver insurance that has been specifically designed to offer great cover at an affordable price – exactly what any learner needs.

What to Avoid
As much as there are things to look for, there are things to avoid when sorting out your insurance. Be wary of overpriced premiums, and always shop around. Make sure that you are truthful on your application too, as even little white lies can come back to haunt you when it comes to claim time – see ‘What are the most common lies on car insurance quotes?’ for details on common application mistakes.

What are the most common lies on car insurance quotes?

Everyone wants cheaper car insurance, and why wouldn’t they? The costs of motoring are high enough and are rising all the time, with tax, MOT and fuel to pay for, let alone the cost of a car.

People will go to great lengths to save money on almost anything, and car insurance is no exception. As many as one in 10 of us isn’t entirely honest when giving information to our insurers, telling little white lies in an effort to secure lower premiums.

Giving out false information on car insurance quotes is technically fraud, and anyone who bends the truth, even just to try to save a few pounds on insurance, runs the risk of having their policy cancelled and claims dismissed – not to mention getting in trouble with the law.

Insurers often investigate any information that they consider to be suspicious, so you’re best off telling the truth from the start – as even one cancelled policy can affect your chances of getting cover from other insurers in the future.

Here are five of the most common lies and mistakes people make on their applications:

1. Car modifications

Most people don’t realise that almost any change to your car counts as a modification. From the obvious changes, like engine overhauls and N2O systems, through to tinted windows or different lights – every modification needs declaring. Mods won’t necessarily push the cost of insurance up, but you won’t be covered if you don’t disclose it.

2. ‘Forgetting’ previous claims

You must tell your insurer if you have had a claim or accident within the previous five years – even if the incident wasn’t your fault or has been fully settled. Insurers can check against a central database to see your previous claims, so there’s no hiding.

3. Withholding motoring convictions

This is the lie customers are most likely to tell, as they know that bad drivers pay more for insurance. If you’ve had a motoring conviction in the past five years, insurers have to know about it or you run the risk of the policy being cancelled.

4. ‘Fronting’

Insuring a young person’s car in the name of an older person is known as fronting, and is most definitely fraud. You could land in a lot of trouble if found out, and insurers can check this easily.

5. Incorrect details

Two details that people forget, or deliberately get wrong, are where the vehicle is kept and what it is used for. Sometimes these are genuine mistakes, a person gets a new job and starts using it for business, or their garage is full and they move the car onto the street – but insurers must be kept informed or your policy is at risk.

What are the cheapest cars for young drivers to insure?

What are the cheapest cars for young drivers to insure?

There’s no getting away from it: car insurance for young drivers can be expensive.

The simple fact is the youngest drivers on our roads are statistically more likely to have an accident, mainly because of their understandable lack of experience behind the wheel.

But there are ways to keep your insurance as low as possible, and the car you drive is obviously chief among them.

It’s pretty obvious that hitting the road in a powerful, sporty motor at a young age is going to send your insurance premium soaring.

So here’s a list of the most affordable cars to insure* to help you choose something that will be as easy as possible on the pocket. And the top 4 result for the lowest insurance cars may surprise you.

  • 1974 Citroen 2CV6
  • 1973 Fiat 126
  • 1959 Ford Anglia
  • 1970 VW Beetle

The cheapest cars to insure, for a teenage driver, are the classic motors. They may not have Bluetooth, automatic lights or even electric windows, but they do have a lot of character.

At Adrian Flux, we say the older the better when it comes to affordable insurance for young drivers. However, our research into the cheapest cars for young drivers isn’t just a list of bangers, with modern motors like the new-style Fiat 500, Toyota Aygo, Ford Fiesta and Vauxhall Corsa doing well for affordable insurance premiums.

*Prices correct as of 2017

Learner driver insurance from £1 per day

Adrian Flux offers car insurance for learner drivers aged between 17 and 25 from just £1 per day, a cost-effective way for young learner drivers to get that all-important extra practice behind the wheel.