Learn to drive in your own car

Covered Owner Learner Driver insurance is an insurance policy, only for learner drivers who own their own car. We know how difficult and how expensive it is for learner drivers to obtain insurance while they are learning to drive especially if they own the car they want to learn to drive in. Covered Owner Learner Driver insurance offers a solution to this problem. We have developed the policy following on from our successful Covered Learner Driver policy that has helped thousands of learner drivers gain valuable driving experience.

If you don’t own the car you are learning to drive in this policy is not suitable for you. You can take a standard Covered Learner Driver policy out at www.coveredlearnerdriver.com.

The Covered Owner Learner Driver motor policy has been developed with Covered Insurance Ltd and Catlin Insurance Company (UK) Ltd, part of the international specialty insurance and reinsurance Catlin group.

It covers the learner driver in their own car that’s less than 8 years and old, registered in their own name while driving under supervision by anyone 30 or over, who holds a full UK/EU/EEA driving licence and has done so for three years or more and who has been a UK resident for more than 2 years.

Policies can be bought on a monthly basis and the price is fixed, regardless of your postcode* and vehicles up to and including Group 23**


28 days (4 weeks)

56 days (8 weeks)

84 days (12 weeks)

£3.73 per day £3.46 per day £2.67 per day
£26.13 per week £24.20 per week £18.70 per week

The Driving Standards Agency research shows that learners who have a combination of professional instruction and private practice obtain better results on their driving test.

On average, those who pass have had 47 hours of professional instruction and 20 hours of private practice. With a Covered Owner Leaner Driver policy a learner driver can have many hours driving practice at a low daily cost, practicing with someone they know and feel relaxed with, in their own choice of car and they are safe in the knowledge they have fully comprehensive insurance in place should they be involved in an accident.

The cost of lessons varies across the UK; we believe the UK average is approximately £25 per lesson. A Covered Owner Learner Driver policy could help to lower the total price of learning to drive by £500.

Covered Insurance Services Limited ( Company No. 05119027 ) is an appointed representative of 3XD Limited who are authorised and regulated by the Financial Conduct Authority registration number 469379.

*some postcodes are excluded
**Vehicle must be under £10,000 in value and insurance group 23 or lower and under 8 years old at the time of application, the insurance group of the car will be checked in the application process.


Get covered

Ready to put your mind at ease with our flexible insurance for learner drivers.


2016 Learner driver kit

  • Practice every official
    Theory Test question
  • Latest digital edition
    of The Highway Code
  • Only £7.99
    with any policy

Why use us

  • Gain experience with a friend
  • Underwritten by leading insurance company
  • Comprehensive insurance
  • 24 hour claims helpline