N.I. Learner Driver car insurance quotes

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Learner driver insurance quotes

Apricot is a Belfast based broker which specialises in insurance for learner drivers (insurance for provisional licence holders). It can be hard to find great value insurance when you’re a learner driver. Thankfully Apricot can help. The insurers we work with are an extensive range, so we can find you learner driver insurance with quality cover to suit all budgets.

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Learners insurance NI

With learner driver insurance, Northern Ireland provisional licence holders can get extra driving practice in a friend or relatives’ car, or a car of their own, without affecting the owner’s no-claims bonus. It means while you can get valuable on-the-road experience, if something did happen, the vehicle owner would be protected.

What is learner driver insurance NI?

Learner driver insurance NI enables learner drivers in Northern Ireland to get annual insurance on a vehicle. This could be your own car or it could belong to someone else.

Who must supervise me while I drive? 

Learner drivers require supervision from a driver aged over 21 who has held a valid EEC licence for over three years. The supervising person doesn’t have to be the vehicle owner, but the learner must have the owner’s permission to drive the vehicle.

What types of car insurance are available for learner drivers?

When it comes to learner driver insurance, Northern Ireland provisional drivers will find that cover comes with several different options. For example:

  • Third-party: This is the minimum cover required by law in Northern Ireland covers you for injury or damage you cause to other people or their property.
  • Third-party, fire and theft: In addition to the benefits you get with third-party insurance, this cover also covers your car if it’s stolen or damaged by fire.
  • Comprehensive: Includes all the benefits from third-party, fire and theft but with the addition of cover for damage or injuries sustained by you or your car.

How can I lower the cost of learner driver insurance NI?

There are a few things you can do to lower the cost of learner driver insurance, including:

  • Pay higher voluntary excess: While it can mean that you will pay more if you need to make a claim, opting to pay a higher excess can mean a cheaper monthly premium in the short term.
  • Compare learner insurance NI quotes: Learner driver insurance premiums in Northern Ireland vary considerably across insurers, so comparing learner driver insurance NI quotes with Apricot Insurance will help ensure you get the best price.
  • Drive a car in a lower insurance group: If you intend to purchase a car to learn to drive, opting for a car in a lower insurance group will likely lower your insurance premiums. The same applies if you plan to learn in a friend or relative’s car.

Does it make a difference to my insurance costs if I get insured on my own vehicle or someone else’s?

Whether you are insured on your own vehicle or someone else’s while you learn to drive, the insurance costs will be about the same. It’s advisable to be insured on the car you will be using once you pass your test, meaning you get used to the vehicle beforehand and are aware of the car’s quirks.

What happens to my learner driver Northern Ireland policy after I pass my driving test? 

At Apricot Insurance, we work with the UK’s top insurance companies to find you the best quotes on your learner driver insurance. To find out more about how we can help you, contact us today.