LEARNER DRIVER CAR INSURANCE

As a learner you should automatically be insured to drive your professional instructor's car.

When taking private lessons the owner of the car must make sure they are insured for you to drive it. This can be expensive for them and also puts at risk their no-claims bonus discount.

Alternatively, you, or the owner of the car, can buy cheap short term (monthly) learner driver insurance from specialist insurance companies such as Collingwood Learners or Provisional Marmalade or a price comparison site such as Go Compare's Learner Driver Insurance

When you've passed your practical driving test and bought your own car you'll need to take out your own insurance.

The cost of this depends on many factors such as your age, your type of car, the area where you live, where your car is kept overnight and more.

The 3 main types of cover available are

	Third-party insurance - this is often the cheapest form of insurance and is the minimum cover required by law. It covers anyone you might injure or whose property you might damage. It does not cover damage to your own motor vehicle or injury to yourself
	Third-party, Fire and Theft insurance - similar to third-party, but also covers you against your motor vehicle being stolen or damaged by fire
	Comprehensive insurance - this is the most expensive but the best insurance. Apart from covering other persons and property against injury or damage, it also covers damage to your own motor vehicle, up to the market value of that vehicle, and personal injury to yourself

Costs vary dramatically between insurance companies so it's best to shop around. The easiest way to do this is by using a price comparison site such as Go Compare