Learning to drive during Coronavirus (COVID-19)

Can I practice my driving during coronavirus (COVID-19) lockdown?
Yes. The current rules state: You can only practise driving with members of your household or support bubble. It must be travel for work, education or other essential journeys. The rules may change and we suggest you visit the Government website for the up-to date information.

Will my insurance policy be affected during lockdown
No. Your policy with us remains in force during this time. We do suggest that you follow any Government safety guidelines and rules.

Learner driver's questions

Is the National Learner Driver Insurance policy only available through driving instructors?
Yes. The policy terms and premiums are only available through driving instructors.

Can I purchase a policy without a National Learner Driver Code?
No. The code has to be entered on the National Learner Driver Insurance website.

Where do I find my instructors National Lerner Driver Code to receive the exclusive rates?
Your instructor will provide you with this code, alternatively it can be found on the NLDI leaflet provided by your instructor.

What’s the minimum term I can take a policy out for?
The shortest period is 14 days. National Learner Driver Insurance offers 6 policy terms, 14 Days, 1 2, 3, 4, and 5 months. All policies can be renewed as many times as required.

What vehicle can I learn to drive in?
You can drive vehicles valued at less than £20,000, in insurance group 29 (1-50 grouping) or lower and the car is registered in an acceptable post code. Our application process will check the insurance group and postcode to ensure the car qualifies for cover.

How old do I need to be to take out National Learner Driver Insurance?
You can be any age, provided you hold a Valid UK provisional driving licence.

Does the car need to be insured elsewhere?
Yes. The registered owner/keeper of the vehicle you are learning to drive in must have a valid motor insurance policy in force. The NLDI policy provides covers the learner driver when they are in control of the vehicle named on the policy documentation.

Can I use the National Learner Driver Insurance policy to tax the car?
No. The registered keeper must use the main insurance policy in place for the vehicle.

If I have a National Learner Driver Insurance policy and have a fault accident whilst I am driving my parents'/relatives'/friends' car, will it affect their insurance policy?
No. The NLD Insurance policy will be operating while you are driving.

Can I insure more than one vehicle?
Yes. You can cover as many vehicles as you wish, provided you purchase a separate policy for each vehicle.

How many people can drive the vehicle I insure?
Your National Learner Driver Insurance policy covers the named policyholder only.

What is the excess on a National Learner Driver Insurance policy?
There is a damage excess of £300, and a fire and theft excess of £300. No windscreen cover is provided.

Who can supervise me in the insured vehicle ?
The person supervising you whilst learning to drive must hold a current full UK/EU/EEA Driving Licence, be over 25 years of age and held a full UK/EU/EEA Driving Licence for a minimum of 3 years and has been a resident in the United Kingdom for a minimum of 2 years or a current qualified Driving and Vehicle Standards Agency (DVSA) Examiner or current DVSA registered qualified Approved or Potential Driving Instructor (ADI/PDI).

Can I change the car I am learning in?
Yes. Its possible to change your vehicle during the term of the policy. A non-refundable £15 administration fee will be charged for any amendments. Any changes have to be completed on line. You are only covered for the vehicle named on your certificate of insurance.

What happens to my cover when I pass my driving test?
All cover under the policy will cease as soon as you pass your DVSA Practical Driving Test, other than the limited cover shown below, and you must return your certificate of insurance to the administrator for cancellation as soon as practicably possible. Any return of premium due to you will be calculated at a proportional daily rate depending on how long the policy has been in force, less a £20 administration fee. If you have made a claim the full premium is due.

If you pass your official DVSA Practical Driving Test cover is provided for the accompanying driver to return the car to your home or its normal garaging address.

Are there any drivers that National Learner Driver Insurance is unable to insure?
Unfortunately there are certain people and vehicles we are unable to provide cover for. These include learners whose main income is derived from taking part in professional sports or entertaining the public; those drivers with any motor fault accident claims against them, excluding windscreen cover; those drivers with any convictions pending or haven't been a resident in the UK for more than 2 years. Also certain postcodes and car groups are excluded.

I am the learner and the owner of the car can I still purchase a NLD Insurance policy?
No. The majority of learner driver policies do not offer any cover if the learner driver owns the vehicle they are learning to drive in. If the registered keeper of the vehicle is the learner driver you need covered's owner policy. This can be purchased at www.coveredownerlearnerdriver.com

Who do I contact if I have any further questions?
You can email us at: motor@coveredinsurance.com During office hours (Monday to Friday 9 am to 5 pm). We aim to respond to all emails on the same day as we receive them. If we receive your request outside our business hours, we will reply to you as soon as possible when our offices are open. Write To Us: Covered Insurance, PO Box 581, Grays, RM17 9QU.

Vehicle owner's questions

Does the car the learner is driving have to be insured elsewhere?
Yes. The registered owner/keeper of the vehicle that is being used by the learner must have a valid motor insurance policy in force on the vehicle. The NLDI policy provides cover to the learner driver when they are in control of the vehicle named on the policy documentation.

I am the learner and the owner of the car can I still purchase a NLD Insurance policy?
No. The majority of learner driver policies do not offer any cover if the Learner Driver owns the vehicle they are learning to drive in. If the registered keeper of the vehicle is the learner driver you need covered's owner policy. This can be purchased at www.coveredownerlearnerdriver.com

If the learner driver named in the National Leaner Driver Insurance policy has a fault accident in my car, will it affect my insurance policy?
No. The National Learner Driver policy will be in force when the learner is in control of the vehicle.

Who can supervise the learner driver in the insured vehicle ?
The person supervising the learner must hold a current full UK/EU/EEA Driving Licence, be over 25 years of age and held a full UK/EU/EEA Driving Licence for a minimum of 3 years and has been a resident in the United Kingdom for a minimum of 2 years or a current qualified Driving and Vehicle Standards Agency (DVSA) Examiner or current DVSA registered qualified Approved or Potential Driving Instructor (ADI/PDI).

What is the excess on a National Learner Driver Insurance policy?
The policy excess is £300. No windscreen cover is provided.

What vehicle can be covered?
Vehicles valued at less than £20,000, kept at an acceptable postcode and in insurance group 29 (1-50 grouping) or lower can be covered. Our proposal process will confirm this.

How old does the driver need to be to take out National Learner Driver Insurance?
The driver can be any age, provided they hold a valid UK provisional driving licence.

How many people / learners can drive the insured vehicle?
The National Learner Driver Insurance policy only covers the named NLDI policyholder.

If the learner driver has an accident, do I get a courtesy car?
No. Courtesy cars are specifically excluded from this insurance policy.

Who do I contact if I have any further questions?
You can email us at: motor@coveredinsurance.com During office hours (Monday to Friday 9 am to 5 pm). We aim to respond to all emails on the same day as we receive them. If we receive your request outside our business hours, we will reply to you as soon as possible when our offices are open. Write To Us: Covered Insurance, PO Box 581, Grays, RM17 9QU.