RAC launches insurance for learner drivers to help protect teachers’ no claims discount

The RAC has launched a flexible new car insurance policy aimed at cutting the cost of learning to drive.

RAC Learner Driver Insurance allows learners to practise driving in their parent’s or friend’s car without affecting the accompanying driver’s no claims discount should the learner be involved in an accident in their car.

The cover, underwritten by Aviva, can begin 15 minutes after the policy has been purchased online, and is available from one day to five months.

Policyholders are only permitted to drive between the hours of 6am and 10pm and their insured vehicle must be registered in the UK, be worth less than £30,000 in value, and have six or fewer seats.

The accompanying driver must be aged 25 or over and held a full UK driving licence for at least three years.

RAC director of insurance Mark Godfrey said that adding a learner driver to an existing insurance policy could be very expensive, as well as a risk to an experienced driver’s no claims discount.

“The alternative of a learner taking out a standalone policy is very often cost-prohibitive so we were keen to create a policy that actually helped to save the learner driver and their family money,” he said.

“We feel we have not only achieved this, but gone a step further by developing a very flexible product which can be bought for short periods under a month and used after just 15 minutes of being taken out online.”

Mark Dugdale