Learner Driver Insurance

Cover from 2 hours to 5 months*

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Learner Driver Insurance

RAC Learner Driver Insurance provides flexible, short term cover that offers protection while you prepare for your driving test. 
If you’ve got your provisional driving licence and are already having professional lessons, Learner Driver Insurance allows you to get that extra experience behind the wheel with the help of a friend or family member.
Learning to drive is one of life’s great milestones, so it’s important to make sure that you have sufficient cover when you need it. 

Buy comprehensive cover online 24/7

Only pay for the cover you need - from 2 hours to 5 months*

No impact on main driver's no claims discounts

Got a question or want to learn more? Visit our FAQs page for more details about the policy.

  1. Learn in your car or someone else’s
    You just need to make sure you have the owner’s permission.
  2. Flexible cover
    Learn in vehicles up to £40,000 in value, with up to 7 seats, and up to Insurance Group 40.
  3. No curfews
    If you use your own car, you can drive at whatever time you like.


Rating correct at 01/11/2018.


Trusted provider of Learner Car Insurance

Our partners Dayinsure are rated 9.4 out of 10 on Trust Pilot, and we have been looking after motorists for over 120 years, so you know you’re in safe hands when you buy insurance from the RAC.

What is Learner Driver Insurance?

RAC Learner Driver Insurance is a short-term car insurance cover to help provisional drivers get extra driving experience as they learn and prepare for their test. It’s designed to sit alongside an existing annual car insurance policy on the vehicle used for practice, and you must be accompanied by a driver between the ages of 25-75 who has held a full UK driving licence for at least 3 years. 
Learner drivers are insured between the hours of 6am to midnight and must be aged 17 or over. If you are driving your own car, the curfew does not apply.
Our policy can cover you in a wide range of cars, including most family cars. We will cover up to Insurance Group 40, with a current market value up to £40,000 and up to 7 seats. Cover can be purchased by the day, week or month, for between 2 hours and 5 months* maximum.
Should an accident occur whilst the learner is behind the wheel, this accident will not impact the no claims discount of the main driver’s policy, making it a practical and cost effective way for learners to get practice at home.

Learn more about Learner Driver Insurance

Still got questions? Our short video clip explains how temporary cover is suited to learner drivers and how the policy protects both the learner driver and the supervising driver.

Once you've passed your test, you'll be elligible to take out UK Breakdown Cover on your new vehicle.

Frequently Asked Questions - see our FAQ page for more

Yes you can. The vehicle doesn’t have to be annually insured, and there is also no curfew, so you can drive at whatever time of day you like. What’s more, if you’re using your own car, our policies start from just 1 month’s worth of cover.
Can a provisional driver be added to an existing annual policy?
Yes, a provisional licence holder can be added as a ‘named driver’ to an existing annual policy. Any changes to an existing policy should be discussed with the existing insurance provider. However, adding a provisional driver to an existing policy is likely to push the price of the premium up for the remainder of the policy year, as well as attract an administration fee.
This is why we offer Learner Driver Insurance, as it means learners don’t have to pay for a full year of insurance, and most importantly, if they are involved in an incident while borrowing someone else’s car, it does not affect the No Claims Discount of the main policyholder. 
Am I covered to drive at any time day or night?
Our products are designed to allow you to practice driving under supervision and so you may only drive between 6.00am and midnight. This restriction is in place to reduce the risk of fraud and to keep our prices competitive for learner drivers. 
If you are driving in your own car however, this curfew does not apply and you may drive at any time during the day.
Does the accompanying driver have to be the vehicle’s owner?
No, as long they satisfy the licence criteria (see above). If you aren’t using your own car you must have permission from the owner.
Are there any vehicles you won’t insure?
We will cover up to Insurance Group 40, with a current market value up to £40,000 and up to 7 seats. When you enter the registration number in the application form, you will be advised if we can provide cover.
Can I buy a policy if there is no annual cover on the vehicle?
Only if you are driving your own car. If you are using someone else’s car, an existing annual insurance policy must be in place for that vehicle for the duration of your RAC Learner Driver policy.
What if I cancel more than 14 days after commencement – can I get a refund?
If you wish to cancel more than 14 days after policy commencement, you will still be entitled to a refund, calculated on the same basis as above. There is no cancellation charge but you will not be refunded any other fees or card charges.

RAC Black Box Car Insurance

Passed your test? New and young drivers could pay less at renewal with RAC Black Box

Find out more   

Read more about the significant features and benefits of our Learner Driver Insurance


Get all the answers you need about our Learner Driver Insurance, from policy details to refund information


All the contact details you need to amend your policy, make a claim or discuss refunds

We also offer

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.


Black Box Insurance saves new and young drivers money by rewarding safe driving.


10% multicar discount for up to three additional cars so you can cover your whole family.

Learner driver news and advice

Learner driver rules are set out to keep the learner and other road users safe, whilst allowing them to gain the necessary experience to pass their driving test


Read our Supervising a Learner Driver Guide to ensure you meet all of the legal requirements


RAC Black Box Car Insurance helps young drivers save money by rewarding safe driving


Our comprehensive guide offers all the information you need to pass your driving test in five steps - from complete novice to qualified driver


* One month’s cover is classed as 28 days, so a 5 month policy runs for 140 days in total.

RAC Financial Services Limited act as an introducer to Dayinsure.com Ltd for RAC Learner Driver Insurance. RAC Financial Services Limited is registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Learner Driver Insurance is arranged and administered by Dayinsure.com Ltd, which is registered in England no. 4996289, registered office: Mara House, Tarporley Business Centre, Nantwich Road, Tarporley, Cheshire CW6 9UY. Both companies are authorised and regulated by the Financial Conduct Authority. RAC Learner Driver Insurance is underwritten by Aviva Insurance Limited. Registered in Scotland, No 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Aviva Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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