You buy a short term policy to cover you while you learn to drive using someone else's car. If you have an accident, the claim will be on your policy so the car owner's No Claims Discount and claims record is unaffected. To keep costs down, Dayinsure have put in some restrictions to the cover. The car must already be fully insured by the owner on an annual insurance policy, accompanying drivers must be over 25 and have held a full licence for at least 3 years; cover is only provided between 6am and midnight and cover ceases immediately on passing your driving test.
Firstly get a quote through our Dayinsure learner driver insurance quotation service. Enter your name, address, the registration number of the car and contact details. The quote system will then let you select the length of cover required from 2 hours, a day, a week, a month or multiples thereof up to 5 months. Be aware that it is cheaper to buy a 1 month (28 day) car insurance policy than four weekly policies. When you pass your test the cover ceases but when you cancel you will be refunded for any unused premium less a £20 admin fee. As the day rate reduces for longer insurance terms, it could be worthwhile taking a longer term than you think you will need.
The fact that you can get insurance for just a day or two also makes it ideal if you've been let down at the last minute and allows you to get cover quickly to take your test in a different car.
If you are happy with the quote you will be asked for a little further information and you will need to agree to the company's acceptance criteria which ensures you are eligible for cover. You will be able to check the details you have entered and then proceed to payment and complete the purchase of the cover in minutes.
The Dayinsure learner driver insurance policies can insure a wide range of cars including most family cars that are suitable for a learner driver to practise in. They won't cover cars in Insurance Group 31 (of 50) or higher or with a current market value over £40,000 or having more than 7 seats. The easiest way to tell if they'll cover a particular car is to enter the registration number onto their website.
You cannot use this insurance to insure your own car, it must be owned by someone else and the owner must hold a current annual insurance policy for the car.
Quotes depend on your address, the insurance group of the car and the length of the policy. The lowest rates of around £1.70 per day are available on 5 month policies in rural areas on lower insurance group cars and rise rapidly for shorter terms. Higher insurance group cars won't qualify for the cheapest rates but premiums don't increase as sharply as you might expect.
No, you can be accompanied by anyone who meets their criteria: aged 25-75 or over with a full UK driving licence held for at least 3 years, they do not have to be the owner of the car.
This content was last reviewed on 29/01/2019