If you're learning to drive and own your own car, you'll usually need a specific type of learner driver insurance.
Not all insurers offer this, but some UK providers do — with terms that vary depending on your details.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK learner drivers who:
If you don't own a car and are driving someone else's, a different type of policy may apply — see our guide on borrowing a car.
Learner insurance for an owned car typically:
Once you pass your test, learner cover usually ends and you'll need to arrange a standard policy. For general learner insurance information, see our learner driver insurance guide.
Cover varies by provider, but may include:
Third party, fire and theft or comprehensive cover
Damage to other vehicles and property
Accidental damage (policy dependent)
Theft and fire protection
Some policies may also include limited cover for the supervising driver. Always review exclusions, excess amounts, and usage limits carefully.
Pricing can depend on factors such as:
Your age and location
The car's insurance group and value
Where the vehicle is kept overnight
How often the car is used for practice
The experience of the supervising driver
Comparing insurers can help you see how pricing differs.
Smaller engines and less powerful cars often cost less to insure.
Lower mileage typically means lower risk in insurers' calculations.
A driveway or garage may reduce risk depending on postcode.
Some insurers offer policies designed specifically for learners.
Once qualified, you'll need new driver insurance — don't stay on learner cover.
You may also want to compare:
Start a quote online now and see options available from UK providers.
Start a Quote in 2 Minutes →This page was written to explain how learner insurance works for drivers who own their own vehicle. It is reviewed and updated to stay accurate and useful for UK learners.
MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and does not constitute financial advice.
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