N.I. Provisional Licence car insurance quotes
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Provisional insurance quotes NI
We work with 11 insurers that provide competitive provisional licence insurance quotes. It can be a challenge to find insurance for learner drivers at a good price, so Apricot takes the hassle out of it. Get a quick online quote or call our friendly and experienced NI team today.
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Provisional insurance NI
Provisional driver insurance is a short-term policy that allows learner drivers to practice driving on the roads legally with cover in their own name.
Explore a range of provisional driver insurance NI quotes at Apricot today.
(Note that we also offer provisional driver insurance for customers in Great Britain too.)
How does provisional driver insurance NI work?
Provisional driver insurance fully protects you while on the road, even though you don’t have your full licence yet. With this type of insurance, you can practice in somebody’s car without having to be covered by the vehicle owner’s insurance. So, if you have a bump, it would have no impact on their No Claims Bonus. However, if you were to be put on the owner’s insurance as a named driver, their policy would be affected in the event of an accident.
If learning to drive supervised in a car owned by you, you need your own insurance as a legal requirement. Once you gain your licence, you will be able to switch your provisional insurance to a full-cover policy on a vehicle.
Does it cost more for a learner driver to be insured on their own vehicle or someone else’s?
Costs will be around about the same but familiarising yourself with your own car is always advisable if you have one.
Who can supervise a learner?
Learner drivers are able to get provisional insurance and be behind the wheel providing they are supervised by a driver who is over 21 and has held a full licence for more than three years.
Do I need provisional insurance to take professional driving lessons?
A driving school car is already covered for learners, so you do not need your own cover to drive in your instructor’s car.
What types of car insurance are available for learner drivers?
Northern Ireland provisional drivers’ cover comes with the same options as full licence holder options. These are:
- Third party: The minimum cover required by law in Northern Ireland covers you for injury or damage you cause to other people or their vehicle.
- Third party, fire, and theft: In addition to the benefits you get with third party insurance, this 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 you save money on the cost of provisional driver insurance NI?
To cut out costs on your insurance, consider these options:
- Pay higher voluntary excess: Opting to pay a higher excess can mean a cheaper monthly premium in the short term, just make sure you can afford the excess in the event of an accident.
- Drive a car in a lower insurance group: If you intend to buy 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 someone else’s car.
- Dashcams: Having a camera inside your car is also worth it if there is a “blame” discrepancy. They are also easy to install.
At Apricot Insurance, we work with the UK’s top insurance companies to find you the best quotes on your learner driver insurance. Get a provisional driver insurance quote at Apricot today.