Anyone driving a vehicle for personal or commercial use on British roads needs to have the right type of insurance cover, and this includes learner drivers who haven't yet attained their licences. Because learner drivers may be perceived by insurers to be at higher risk of road accidents due to their inexperience on the roads, learner driver car insurance can sometimes be expensive, so it can be useful to find out what's involved in these policies to ensure you're getting the best value cover for your money.

The length of time you will be learning to drive will inform your choice of policy, whether you only require short term policies of 28 days or longer term policies of 24 weeks or more. Some policies may only cover you when driving in your own car or a car belonging to a member of your family, while others cover accidents that take place in any vehicle. If you are driving a parent's or friend's car, you should also check whether claiming on your learner driver car insurance policy will affect their no claims bonus.

If you are receiving lessons from a professional, qualified driving instructor, you may not need to take out learner driver car insurance, but this is generally a requirement if you're taking private lessons from anyone else, unless the person teaching you already has a suitable level of cover themselves. As with standard car insurance policies, the minimum legal level of cover is third party insurance, which could be the most affordable option but will not provide the same level of cover as more comprehensive insurance policies.

Even if your parents or other people giving you private lessons are covered by fully comprehensive car insurance, this is not usually enough to cover accidents that occur while a learner driver is operating the vehicle. This is a common misconception that can result in expensive repair costs for damage that isn't covered by insurance, and could also result in fines, penalty points or confiscation of the vehicle if you are found to be breaking the law.

The higher risks involved with learner drivers means that not all insurance companies offer learner driver car insurance, but speaking to your insurer or comparing policies online should give you a number of options to choose from. It's usually cheaper to take out learner driver insurance in your own name rather than add yourself as a learner to someone else's insurance policy.

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