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Drive with Confidence - Find the Right Provisional Driver Car Insurance

If you’re preparing for your driving test, then one of the best ways you can get experience is by driving in a family member’s car or your own. To do this, you’ll need to take out a provisional driver car insurance policy. It’s true that provisional driver car insurance isn’t cheap – this is because provisional drivers haven’t yet passed their test and in many cases are young and inexperienced on the roads. However, there are ways to save money, such as getting quotes from many providers.

You can get car insurance for provisional drivers quotes now by clicking the green button. You can also keep reading to find out more information on the types of cover available and ways to save money.

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Did you know…?

Provisional driver car insurance is often the most expensive but there are ways to keep costs down.

Why Provisional Driver Car Insurance Is Necessary

It’s very important to get cover if you plan to drive by yourself as a provisional driver. You don’t want to start your driving journey by getting into financial or legal trouble by not having proper insurance in place.

The Different Types of Provisional Driver Car Insurance

Third-Party Only Insurance

: This is the basic car insurance requirement by law in the UK. It includes coverage for injuries inflicted on others and damage to others' property, but doesn't provide for any damage to your vehicle.

Third-Party, Fire and Theft Insurance

: This is an extension of Third-Party Only insurance, offering additional coverage against loss or damage to your vehicle due to fire and theft incidents.

Comprehensive Car Insurance

: This is the most extensive insurance cover you can get. It encompasses all the components of Third-Party, Fire and Theft policy, plus it may also help bear the cost of repairs or replacement of your car, irrespective of who caused the accident.

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Did you know…?

One way you can save money on insurance as provisional driver is by having a black box installed in your car.

Why You Should Get Provisional Driver Car Insurance Quotes Online

Checkout the great reasons to compare Provisional Driver Car Insurance quotes below.

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Additional Cover Types For Provisional Driver Car Insurance

Tailor your Provisional Driver Car Insurance cover to your personal circumstances with the additional cover options available.

  • Misfuelling Cover: If you accidentally fuel up with the wrong type, this cover helps manage the cost of any necessary repairs.
  • Child Car Seat Cover: Accidents can be unnerving, especially with children involved. This cover allows for the replacement of any child car seats, even if there's no apparent damage.
  • Breakdown Cover: When your car takes an unexpected pause, this add-on ensures you're not stranded and provides roadside assistance at any time.
  • Legal Cover: Road incident led to a legal dispute? This cover provides financial protection to keep legal costs at bay.
  • Key Cover: Losing your keys is frustrating enough without the added expense. This cover handles the cost of replacement keys and even the locksmith's fee.
  • No Claims Discount Protection: Claim or not, this cover ensures your no claims discount remains untouched, helping you secure lower premiums in the future.
  • Foreign Use Cover: Planning to hit the road abroad? This provides the same level of protection as you have at home, so you can drive with peace of mind.
  • Personal Accident Cover: In case a severe accident occurs, this cover offers you and any named driver a financial safety net for certain injuries.
  • Excess Protection Cover: This cover absorbs the cost of your excess if you need to make a claim, ensuring you're not left out of pocket.
  • Uninsured Driver Protection: If an uninsured driver collides with your vehicle, this cover ensures you're not left to foot the bill, protecting your excess and your no claims discount.
  • Windscreen Cover: Keep your view clear with this cover, which provides protection against any windscreen damage.
  • Courtesy Car Cover: If your car is off the road for repairs after an accident, this cover keeps your routine running by providing a courtesy car.

Don’t have your registration number? No problem, click here.

Did you know…?

It's always a good idea to get as many quotes as possible to save money.

Provisional Driver Car Insurance - How You Can Save Money

Follow the tips below to make sure you get the best price for your Provisional Driver Car Insurance policy!

  • Limit Optional Extras: While optional extras can provide valuable additional coverage, they also add to the cost of your premium. Make sure any extras you choose are truly necessary.
  • Add a Named Driver: Adding a more experienced driver to your policy could reduce your premiums, especially for younger or less experienced drivers. Be aware that the main driver must be the person who drives the most, as falsely declaring this (fronting) is illegal.
  • Consider Insurance When Buying a Car: If you're in the market for a new car, consider insurance costs before finalising your purchase. Cars are categorised into insurance groups based on factors like repair costs and performance – higher group ratings usually mean higher insurance premiums.
  • Check for Discounts: Always check if the insurer offers any specific discounts. For example, some insurers may offer discounts for buying online, being a member of a certain profession, or belonging to a certain organisation.
  • Pay Annually: If you can afford to pay your premium in one annual lump sum, you may find it's cheaper than spreading the cost monthly, which often involves interest charges.
  • Improve Security: Installing approved security devices like an alarm or immobiliser can lower your insurance cost, as it reduces the risk of your car being stolen.

Compare Provisional Driver Car Insurance Quotes Now!

Comparing makes the process of finding the right car insurance easy. Just follow these steps:
  • Enter your personal information.
  • Provide your vehicle's details.
  • Fill in your current insurance details.
  • Specialist insurance providers contact you with tailored quotations

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Provisional Driver Car Insurance FAQs

Will I be able to afford provisional driver car insurance?

This will depend on your personal circumstances as well as the type of car you have the level of cover you want to take out. Many provisional drivers opt for a third party only policy since this is the cheapest option.

Can I save money by getting a black box?

Yes. A lot of insurance providers will provide cover at a lower rate if you have a black box installed and they’re able to monitor how you drive.

What are some other good ways to save money?

Some good ways to lower costs include –

  • Getting a lower value vehicle
  • Having somewhere secure to park your car
  • Pay upfront for the policy

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Car Insurance Comparison

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Provisional Driver Car Insurance Providers

Clean Green Compare have partnered with Quotezone.co.uk to help you save money on your Provisional Driver Car Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.

You could save up to £518* *51% of consumers could save £518.14 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2025 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

Ian Beevis - Clean Green Compare Insurance Expert
Updated 20 December 2024Reviewed by Ian Beevis Insurance Expert