Insurance on a provisional licence
Everything a provisional licence holder needs to know about getting insured, and which providers accept which ages.
You cannot drive on a public road on a provisional licence without insurance on that specific car, and there is no learner exemption. What changes is how you get it: your own policy, someone else's, or short-term cover bought as you go. The filter that rules providers out fastest is age, and it is published, so it is worth checking before you spend an evening entering details.
Guides
Insurance on a provisional licence, explainedIf you hold a provisional licence and drive on a public road in Great Britain, you must be insured on that specific car. You can get that cover three ways: your own learner policy, being added to someone else's insurance, or short-term cover bought by the hour or day.GuideCar insurance for a provisional driverA provisional driver can be insured either as the policyholder on their own learner policy, or as a named driver on somebody else's. Which is cheaper depends almost entirely on how many hours you will actually drive.Guide
Providers for this
CollingwoodCollingwood2 days to 12 months
VeygoBy the hour, week or month, or a rolling monthly subscriptionMarmaladeMarmalade30, 60, 90, 120, 180 or 240 days
Dayinsure1 hour to 30 days, and learner policies up to 5 months
RAC1 day to 5 months
Aviva1 day to 5 months
VeygoBy the hour, week or month, or a rolling monthly subscriptionMarmaladeMarmalade30, 60, 90, 120, 180 or 240 daysDayinsure1 hour to 30 days, and learner policies up to 5 monthsRAC1 day to 5 monthsAviva1 day to 5 monthsThe whole picture
Every provider on the same columns, from their own published material, so you can see where these sit against the rest.
| 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