Why choose a specialist policy for car insurance for learner drivers with their own car?
You probably need the practice!
In the UK, it’s reckoned that an average person will need around 40 hours of driving before they will pass their test. With driving lessons costing around £25 per hour, that could be over £1000. It makes sense to practice with a qualified driver with over 3 years experience. Whether its a parent or a friend, having private practice time will almost certainly save you money.
If you have your own car, you must insure it.
By law in the UK, your must have car insurance to be on the road. The absolute minimum cover you can take out is third party insurance, but if you can afford it, you will be far better protected under a fully comprehensive policy.
Can’t I be added to my parents policy?
It’s possible to be added as a named driver to a relative’s insurance policy, but not necessarily a good idea. Why? Because it may well send their premiums sky high, as well as jeopardise their no-claims bonus. Learner driver insurance tends to work out more economically. So, if you can afford to get your own car, its best to get car insurance for learner drivers with their own car.