Learner Drivers Insurance

Insurance for provisional drivers – iKube learner driver insurance is ideal for drivers between the ages of 17 and 25.

  • RAC Advance telematics insurance with free rescue and recovery
  • Build up your no-claims bonus while learning
  • No increase in premium when you pass your driving test (restrictions apply)

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Call us today to speak to an adviser about learner driver insurance

01443 420662
01908 258 421

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Features of iKube learner drivers insurance

RAC telematics to help you learn to drive safely

RAC Advance telematics insurance detects acceleration, speed, braking, types of roads driven, amount and time of use, which can help you learn safer driving behaviours. The level of risk the driver poses to themselves and others around can be monitored. By demonstrating safer driving techniques, when you renew you can potentially gain substantial discounts on standard premiums and see the restrictions on driving in the 'red hours' of 11pm-5am lifted.

Earn your no-claims bonus

Learner driver policies we can offer allow you to build up your no-claims bonus before you've even passed your driving test. This enables you to prove that you're a safe driver without having to wait until you have your full licence. Your no-claims bonus can result in lower premiums and the sooner you can start building this up the better.

Comprehensive cover for you and named drivers

The fully comprehensive learner driver insurance we offer includes rescue and roadside recovery breakdown and third-party injury claim compensation to give you greater peace of mind. It can cover your parents and/or grandparents at no extra charge. To qualify, they cannot have any claims, accidents or convictions and they must be younger than 65 years of age.

No increase in premiums once you pass your test

Unlike many other learner or provisional driver insurance policies, with iKube your insurance premium will not increase once you've passed your test (as long as no other rating factor has changed such as a change of vehicle or address). The only requirement is that your driving test must not be within the first six weeks of cover. At the end of the year, assuming you've not made a claim or had an accident, a full year's no-claims discount will be recognised, regardless of how many months you were on a provisional licence.

Learner Drivers Insurance Claims

Unfortunately, accidents happen - but should the worst happen we are here to help settle your claim quickly and efficiently.

To make a claim simply call our claims helplines:

Markerstudy: 0344 873 8184

ERS: 0844 800 1816

Aviva: 0844 891 1226

Please ensure that you have the following documents and information to hand when you call:

Your policy documents

Your driving licence

MOT certificate (if your car is over three years old)

Crime reference number, if applicable

A copy of the driving licence of any other person in charge of your vehicle at the time of the accident

Learner Drivers Insurance Articles & Guides

Make the most of your learner driver insurance with our handy guides and tips.

Car Classification

insurance guide

A Guide to DVLA Car Classification

Understanding vehicle classification is important for many reasons and knowing what classification of car you drive will help with everything from driving with the correct license to hiring a vehicle. It’s not complicated and this article will quickly steer you through the basics.

Classic Car Driving Routes

article

Towergate's Top 10 UK Scenic Driving Routes

As part of Towergate’s Great British Summer guide, we’ve enlisted the help of our friends at Footman James to compile a list of the best driving routes in the UK. So classic car or not, we can all make the most of our trips away this summer.

Passing Driving Test

article

Tips for Passing Your Driving Test

Being faced with a driving test can be quite daunting for a young learner driver, especially for those of you who have had little experience with this kind of pressure. Here are our ten top tips for passing your driving test, to help you to stay focused and, just as importantly, keep your cool.

Learner Drivers Insurance FAQs

Will I still earn a no-claims discount?

Yes, iKube black box insurance is no different to a standard car insurance policy in that respect. As long as you do not have an accident or claim in the insurance year, you will be entitled to a year's no-claims discount at the end of the 12-month policy.

Can more than one driver under 25 be named on an iKube policy?

Yes, if they are related to the main policyholder.

What extra rewards are available?

If you refer any of your family or friends to us, you can earn £55 in vouchers or experiences for every successful referral. Choose from The Lifestyle Voucher, which is accepted by over 150 UK shopping, leisure and travel brands, or one of the hundreds of available Red Letter Day experiences.

Can I add my partner or spouse?

Dependent on your policy, you may be able to add your spouse or partner, as long as they are a common-law partner. However, he or she must have a full UK licence and be over 25 years old.

Can I get a quote for third-party, fire and theft cover?

Yes. The provisional driver insurance we can offer is available on both comprehensive and third-party, fire and theft (TPF&T) policies.

Who is included in the 'free cover for named driver' offer?

The learner driver insurance offered by us can cover your parents and/or grandparents at no extra charge. To qualify, they cannot have any claims, accidents or convictions and they must be younger than 65 years of age. If they have any previous claims and convictions we will review on the individual circumstances.

Can I drive in Europe?

This depends on your policy. If you feel there is a strong possibility that you will need to drive abroad then please advise us when you are asking for a quote.

What kind of driving licence do I need?

To benefit from our specialist learner driver insurance cover you must hold a valid UK provisional licence by the time your insurance is due to commence. Should you pass your test within the 12-month insurance cover period and as long as your driving test is not within the first six weeks of cover, your premium is guaranteed not to increase when you pass. At the end of the year, assuming you've not made a claim or had an accident, you’ll receive a full year's no-claims discount regardless of how many months were on a provisional licence.

Will my insurance premium increase once I've passed my test?

No. Unlike many other policies that offer insurance for provisional drivers, cover we can offer does not increase your insurance premium once you've passed your test (as long as no other factor has changed such as a change of vehicle or address). The only requirement is that your driving test must not be within the first six weeks of cover. If your driving test is within the first six weeks of cover, you will not be eligible for the learner driver insurance we can offer.

Will I be allowed to drive other cars on the iKube learner driver insurance policy?

Unfortunately not, iKube provisional insurance offers great value comprehensive and TPF&T cover for you to drive the insured car only.

Does the car have to be kept overnight at the home address?

Just like a standard insurance scheme, as long as your vehicle is normally parked at the home address, you will still be insured if you need to park it overnight at another location. Please note, the red hour rule applies on your learner driver insurance policy, wherever the car is parked.

Can the car be modified?

Some minor enhancements are allowed. If your car has modifications or if you feel there is a strong possibility that you will modify your car during your learner drivers insurance cover, please contact us or advise us when you are asking for a quote.

Are there any cars that cannot be insured?

Depending on insurer, we can offer cover up to a car insurance group 17. Each insurer rates a car differently and therefore sets its own car insurance grouping. However, as a guide, you may want to visit the Association of British Insurers.

What's the best type of car to buy to get the best deal on provisional insurance?

A rule of thumb is - the lower the car insurance grouping, the lower your car insurance will be. If it helps, some of the more common cars that are insured with our learner drivers cover are the Citroën C1, Peugeot 107 and the Toyota Aygo.

Can I insure my car in my parent's name and just be added as a named driver?

No - you, the learner driver, needs to be the owner, the keeper and also the main driver. The practice of insuring a young driver on a parent's policy as an occasional driver, when in fact the young driver is the main user, is known as "insurance fronting". This is illegal and is classed as obtaining insurance by deception. If the vehicle is solely or predominantly used by you, the learner driver, but you are not listed as the main driver, if the insurer finds out they are likely to cancel the policy or worse still, in the event of an accident, refuse to pay out.

I'm looking at buying a car which has been imported from outside the UK. Would you be able to insure it?

iKube learner driver insurance does not provide cover for vehicles imported into the UK by persons other than the manufacturer of the vehicle.

Is there a limit to the number of times I can drive in the red hours before my learner driver insurance is cancelled?

There is no limit to the amount of times you can drive in the red hours. However, the provisional driver insurance we offer is designed to help save you money by keeping you off the road when you are most at risk. We can offer an unrestricted policy but you may pay considerably more initially, please ask us for details.

Remember, direct journeys to and from a regular fixed place of work are excluded. If you will be frequently driving your vehicle during the red hours then the product is not for you or you will need us to quote an unrestricted premium.

An additional premium of between £50 and £100 depending on the time is applied each night you use your vehicle in the red hours. If you do not use or move your car during the red hours you will not be charged this fee and will pay your usual monthly or annual learner driver's insurance premium. Failure to pay these premiums or charges may result in your policy being cancelled.

What is really tracked by the black box? Will you pass this data on to any third parties?

The black box or "telematics" device is fitted so we can see when, how and how far the insured vehicle is driven. We may also use this data to adjust your premium should you exceed the annual mileage declared at the beginning of your learner driver's insurance cover. You will have full access to your data via a telematics app and your individual online portal.

We will also review your driving behaviours and use that data in determining the optimal renewal premiums we can offer with substantial discounts for the best drivers. If we become concerned about your driving during your policy term we will contact you to discuss this. In extreme cases, and after suitable warning, if your driving fails to improve we may have to cancel the policy. Unless required for the prevention and detection of crime, we do not use it for any other reason during your first year of insurance with us.

I might need to move my car after 11pm if I've blocked someone in. Will I be charged?

No. We understand that you may need to move your car in circumstances such as this. As long as your car does not move more than 100 yards then you will not be charged.

Am I able to alter the red hours to suit my own needs?

No, the red hours are in place to protect you and reduce your risk of accident.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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