Rules and the law
What the law requires of learner drivers in Great Britain, and where providers are stricter than the law.
Two sets of rules apply and you need both to be satisfied. The law sets the floor: insurance, L plates, a supervisor of at least 21 who has held a full licence for three years, and no motorways except with an approved instructor. Providers then add their own conditions on top, and at least one requires a supervisor aged 25.
Guides
Do learner drivers need their own insurance?Yes. Anyone driving on a public road in Great Britain must be insured on that vehicle, provisional licence included. During lessons with an approved instructor you are normally covered by the school's policy. For private practice you are not, and you need your own.GuideThe rules for learner drivers and insuranceIn Great Britain a learner must be insured on the car, display L plates, and be supervised by someone at least 21 who has held a full licence for that vehicle type for three years. Motorways are only allowed with an approved instructor in a dual-control car.Guide
Providers for this
CollingwoodCollingwood2 days to 12 monthsMarmaladeMarmalade30, 60, 90, 120, 180 or 240 days
Dayinsure1 hour to 30 days, and learner policies up to 5 months
Aviva1 day to 5 months
Tempcover1 hour to 28 daysHastings DirectHastings DirectInsurer
Dayinsure1 hour to 30 days, and learner policies up to 5 monthsAviva1 day to 5 monthsTempcover1 hour to 28 daysHastings DirectHastings DirectInsurerThe 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