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What We Cover

Geoffrey Insurance Services Learner Driver car insurance

The Geoffrey Insurance Services Learner Driver car insurance policy provides cover for provisional licence holders whilst undertaking driving tuition. Learner drivers covered by Geoffrey Insurance Services can use the learner driver insurance policy to cover their parent’s or friend’s car whilst they learn to drive, without any risk to their insurance. It's a simple way to get behind the wheel confident that you are covered without paying large extra premiums for adding a learner driver to a standard car insurance policy. And if you do have an accident whilst driving the car, the claim is made on the learner driver’s insurance policy and not the car owners - so their No Claims Discount is safe!

Cars covered by the policy

Our provisional insurance cover lets a learner drive most cars, providing they are in insurance group 32 or less and have a current value of less than £30,000.

Is the cover fully comprehensive?

The policy provides comprehensive cover for the vehicle for fire, theft or malicious damage and for accidents whilst you're driving the car. The learner driver insurance also covers damage caused to other people and their property whilst you're driving.

There's also cover for the driving supervisor if they have to take over the wheel in an emergency when you are receiving tuition.

Can I drive more than one car on this policy?

Our learner driver insurance policy only covers you whilst driving the named vehicle. However, if you want to learn in more than one car you can always take out a separate policy for each car you intend to drive.

Who can supervise me?

Any driver who is over 25, who currently holds a current valid full UK driving licence, and has been driving for at least three years, can accompany you. It need not been the person who owns the car.

Is the policy the only insurance cover for the car?

No, this learner driver insurance policy is designed to cover a car that belongs to someone else whilst you are driving so the car must remain insured by the main owner for other risks.

How much does the policy cost?

The cost of learner driver insurance cover depends on the length of policy you choose and where you live. You can get a quote online now.

What is the excess if I need to make a claim?

If you have an accident, or the car has a fire or is stolen whilst you are driving, you will need to pay the first £250 towards any claim.

Can I change the car I am insured for?

Yes, you can change the insured vehicle once during the term of cover but there is an administration charge of £10 for doing so.

Are other learner drivers covered?

No, the policy only covers the named learner driver in the named vehicle.

Can I change my mind?

We hope you are happy with the cover our learner driver insurance policy provides. However, you have the right to cancel the policy within 14 days of receiving the policy documents or the start of the policy, whichever is later, without giving any reasons. If that happens, we will refund the premium, deducting payment for the period of time you have been on cover and a £10 administration charge.

After this time, you can cancel the policy at any time and receive a refund for any full months of cover which are outstanding, less a £10 administration charge.

What happens if I pass my test?

When you pass your test all cover under the learner driver insurance policy ceases immediately. And if you pass you driving test sooner than you expect, you can have a refund on any unused full months of cover, subject to no claim being made and also subject to an administration charge of £10. There is no refund of any part months left on the policy.

Who provides the cover?

Geoffrey Insurance Services Learner Driver is provided in partnership with Provisional Marmalade Limited which is authorised and regulated by the Financial Services Authority number 542063. Marmalade is a trading style of Provisional Marmalade Limited.