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Learner Driver Insurance

Prices for learner driver car insurance start from 77p a day. Regular practice between driving lessons helps a learner driver’s confidence and is useful experience towards taking the driving test. Call us today – Sterling’s best deals are available over the phone.

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Rated Great
Rated 'Great' based on 9,820 reviews
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Rated Great
Rated ‘Great’ based on 9,820 reviews
Car insurance for Learner Drivers from 77p per day!

Learning to drive is part of life’s journey

Particularly for learner drivers and young drivers, affordable car insurance can be hard to find. High insurance premiums often force teenagers to sacrifice levels of cover or hold off driving for several years, just to meet the cost.

Sterling supports younger drivers by finding them affordable and reliable car insurance from a range of providers. This starts with insurance for learner drivers, as soon as they are a provisional licence holder and get behind the wheel.

Our learner driver car insurance is flexible, and policies can be taken out on a month-by-month basis. So you can be covered until you pass your driving test, and it doesn’t matter how long it takes.

If an accident does happen with the learner driver at the wheel, it will not affect the No Claims Discount.

Once passed, speak to us about young driver insurance. You’ll want to enjoy your independence.

The benefits of getting a policy with Sterling

  • Prices start from 77p per day
  • Policies are available for one, two, three, six or 12-months
  • Accidents will not affect car owner’s No Claims Bonus
  • Fully comprehensive cover and third party, fire and theft options available
  • Monthly payments are possible
  • Claims helpline open 24/7

Prices start from less than 77p a day

Cheap learner driver insurance can be hard to find. So we work with many insurance providers to offer value-for-money policies without compromising on the level of cover. Also give us a ring back once you’ve passed your test as we also offer young driver car insurance.

Short-term learner driver insurance available

Sterling offers temporary car insurance for learner drivers. This means they get cover for the length of time it takes to pass the driving test, whether this is 30 days, 90 days, six months or 12 months. The vehicle can be owned by themselves, a friend or family member. It must be valued up to £20,000 and listed up to insurance group 30. These tend to be less powerful, and more suitable for someone who is learning to drive.

Protection for the car owner’s No Claims Bonus

Unfortunately, accidents can happen. As learner driver insurance is taken out in the learner’s name and is their own policy, this protects the car owner’s insurance. So if the learner driver is involved in a prang behind the wheel, the incident will count against the learner policy. It will not affect the owner’s No Claims Discount.

Comprehensive cover and third party, fire and theft options available

All policies are fully comprehensive, and 12-month policies are also offered as third party, fire and theft. Whether you are learning to drive in your own vehicle, or with the help of a friend or family member, Sterling will help you find a policy to suit your needs until you have passed your test

Monthly payments are possible

Learning to drive can be expensive with high insurance premiums and the cost of driving lessons. To help, Sterling offers month-by-month policies and monthly payment options. It is worthwhile noting that as soon as a learner passes their test, their learner driver insurance will be invalid and a standard car insurance policy needed.

Claims helpline open 24/7

Our claims helpline is open 24/7, every day of the year. If you do need to report an incident or register a claim, there will be someone at the end of the phone. It doesn’t matter what time it is, someone will be around to take your call day or night.

Want to pass your driving test in record time? Download the FourFive Learner Driver app

We’re proud to share our affiliation with the FourFive Learner Driver app, an absolutely FREE app full of helpful tips, guides and features to help you pass your driving test first time.

The FourFive Learner Driver app is packed full of features you can’t find even on paid-for apps, from hazard perception tests and official DVSA theory test questions to masterclasses with driving instructors and information you’ll need after you pass. Find out more about the app and how you can download it on the FourFive Learner Driver page.

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It's easy.

Frequently asked questions

Practice outside driving lessons can help learner drivers with confidence building and gaining experience. Sterling offers value for money learner driver car insurance that doesn’t compromise on cover.

  • A cost effective way for learners to practice driving. Sterling’s learner driver insurance starts from under 77p per day. There’s also the option to move over to young driver insurance once they’ve passed their test.
  • Flexible policies for the length of time you are learning for. Sterling’s policies are available for periods of one, two, three, six or 12 months. As learners edge closer towards the date of their driving test, it is possible to take out insurance on a short term month-by-month basis.
  • Take out learner driver insurance, even if you don’t have your own car. You can be insured on a parent’s or friend’s car to practice your driving. The learner driver policy will operate alongside the existing policy of the relative or friend whose car you’re using.
  • Accidents involving the learner will not affect the car owner’s No Claims Discount. Learner drivers must have a UK provisional driving licence and be accompanied by a driver over the age of 25 who has held a valid UK driving licence for at least three years. If there is an accident with the learner behind the wheel, the incident would not affect the car owner’s insurance or No Claims Discount.
  • Insurance for cars priced under £20,000. The vehicle can be owned by the learner driver, a friend or family member – but it must be valued up to £20,000 and be listed up to insurance group 30.

This depends on various factors, such as where the provisional licence holder lives, the type of car they’ll be driving, and their occupation. At Sterling, we try to get learners the best deals possible, with prices starting at 77p a day. Our cheapest learner insurance policies are available over the phone and can’t be found online. Give us a call to find out more.

Our policy allows learners to build up a no claims bonus, which could make their insurance cheaper when they pass their test. This applies to both our standard young driver insurance policies and black box insurance policies.

Learner driver insurance is essentially the same as a standard car insurance policy. The quote the learner driver receives is based on the information provided to us, and the policy provides insurance cover for the car being driven. Whether the car belongs to the provisional licence holder, a relative or a friend.

The key difference is that the learner driver policy will automatically come to an end the moment the learner passes their practical driving test. At this point, the driver will need to take out standard car insurance or young driver insurance. If they are borrowing a friend or relative’s vehicle, they will need to become a named driver on the owner’s policy.

Sterling learner driver insurance works for learners as it gives them the chance to get much-needed practice outside of their lessons with qualified instructors, while making use of a friend or parent’s car.

A learner insured by Sterling who has an accident won’t affect the car owner’s insurance. Instead, claims are settled against the learner’s insurance policy, giving parents and friends the peace of mind that their own insurance and NCB will be kept intact.

Call for our best deals

We think our quotation service is one of the swiftest in the business and your policy will be issued on the same day you agree the deal.

Our best policies and prices for car insurance do not appear on price comparison sites and are not available online.

Help is here when you need it

Sterling’s claim line is open 24 hours a day, 365 days a year.

If you ever need to make a claim give us a ring. Someone will be there for you at the other end.

Our staff are based in the UK

Whether you’re calling for a quote or want to make a claim, our staff are based in the UK and ready for your call.

As soon as you agree the policy terms, your insurance can be issued on the same day.

30 years’ experience in the industry

Our senior staff have been working in the insurance industry for 30 years.

It means we can help if you need to find cover for situations or circumstances that are a bit more specialist.

Get a quote with us!

It's easy.

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