New driver insurance
Most learner policies end the moment you pass, often before you have driven away from the test centre. New driver insurance is the annual policy that replaces it, and the sensible time to arrange it is before test day rather than after.
The gap nobody warns you about
Here is a genuinely awkward fact that the learner insurance market does not advertise: **most learner policies stop dead the second you pass.** You are then at a test centre, holding a full licence, standing next to a car you are no longer insured to drive.
This is published, if you look:
- Dayinsure states its learner cover will not insure you to drive home from the test
- The RAC says the same, in the same words, because it is the same product.
- Tempcover says it depends on the policy and to check the terms before you set off.
So the supervising driver drives home, or you have arranged something first. Those are the options, and the second one is better.
What to do before test day
Sort the new policy before you sit the test, with a start date on the day. If you fail, you cancel it and most insurers will refund the unused portion. If you pass, you drive home legally. The cost of getting this wrong is an uninsured-driving offence, which is a £300 fixed penalty and six points.
Six points matters more for you than for anyone else. Under the New Drivers Act a licence is revoked if you reach six points within two years of passing, and points from your learner period count toward that. You would be back to a provisional and re-taking both tests.
What carries over from your learner policy
Your no-claims bonus, if you built one. This is the part worth knowing. An annual learner policy in your own name lets you accrue no-claims before you pass: Collingwood and the RAC both state it. The RAC also says you can upgrade the policy when you pass and keep the no-claims.
If you were a named driver on a parent's policy instead, you built nothing. That is the hidden cost of the cheaper route, and it only shows up now.
Where new driver cover is bought
Several providers here sell both the learner policy and what comes next, which makes the handover simpler:
- Veygo offers a discount on its new driver insurance when you pass, which it states on
- Collingwood and Adrian Flux both write annual cover as well as learner cover
- Hastings Direct will sell you a policy in your own name or add you to somebody else's
The full comparison of learner providers · Why young driver premiums are what they are
Every learner provider, on the same columns
From each provider's own published material, read on 18 September 2026. Nobody paid to be here.
| Provider | Ages | Cover lengths | Own car | Their car | Owner's NCB | Your NCB |
|---|---|---|---|---|---|---|
| AdmiralInsurer, routes to Veygosame product as Veygo | not published | not published | Yes | Yes | Yes | Not published |
| Adrian FluxSpecialist broker | 16 and over | Daily, monthly or annual, including 1 week policies | Yes | Yes | Yes | Not published |
| AvivaInsurer, resoldsame product as Dayinsure | not published | 1 day to 5 months | Yes | Yes | Yes | Not published |
| CollingwoodLearner specialist | 17 and over | 2 days to 12 months | Yes | Yes | Yes | Yes |
| CuvvaApp-based hourly cover | 17 to 50 | 1 to 3 hours at a time | No | Yes | Yes | Not published |
| DayinsureTemporary cover specialist | 17 to 50 | 1 hour to 30 days, and learner policies up to 5 months | Yes | Yes | Yes | Not published |
| GoShortyTemporary cover specialist | 17 to 75 | 1 hour to 24 weeks | Not published | Yes | Yes | Not published |
| Hastings DirectInsurer | not published | not published | Yes | Yes | Not published | Not published |
| Insure Learner DriverLearner specialist | not published | not published | Yes | Yes | Yes | Not published |
| MarmaladeYoung driver specialist | 17 to 34 | 30, 60, 90, 120, 180 or 240 days | No | Yes | Yes | Not published |
| RACMotoring brand, resoldsame product as Dayinsure | 17 and over | 1 day to 5 months | Yes | Yes | Yes | Yes |
| Sterling InsuranceBroker | not published | 30 days, 90 days or longer, to suit how long the test takes | Not published | Yes | Yes | Not published |
| TempcoverTemporary cover specialist | 17 to 75 | 1 hour to 28 days | Yes | Yes | Yes | Not published |
| VeygoLearner specialistsame product as Admiral | not published | By the hour, week or month, or a rolling monthly subscription | Not published | Yes | Yes | Not published |
coverednot coveredthe provider does not publish it
Risk figures are from the Department for Transport's younger driver factsheet. Premium figures are from the ABI (paid) and published price indices (quoted), and we say which is which every time. Provider facts come from each provider's own pages. How we check.