Key Policy Terms and Conditions
Policy exclusions

Unfortunately there are certain categories of individual and vehicle for whom we are unable to provide cover. These are:

We are unable to insure the following learner drivers:
  • Who are under 17 years of age on the start date of this policy.
    (Drivers under 17 may apply if they have completed and been accepted under the Personal Independence Payment (PIP) scheme and DVSA have issued a Provisional Driving Licence to them and provided details to us.)
  • Who owns the car they learning to drive in.
  • Who doesn’t hold a current UK provisional driving licence.
  • Who has any fault motor accident claims against them, excluding windscreen claims.
  • Whose main income is derived from professional sports or the music industry.
  • Who has any motor or non-motor convictions, or any motor or non-motor convictions pending, including fixed penalty notices. You may disregard any spent convictions.
  • Who hasn’t been a UK resident for 2 years or longer.
  • Who resides in a postcode not accepted in the application process.
We are unable to insure the following vehicles:
  • That is not insured under a separate motor policy by the owner during the term of this policy.
  • If the main insurance on the insured vehicle is a motor trade, fleet, taxi or private hire policy.
  • Any hired or rental vehicle.
  • That is not owned by, leased or contracted to the owner of the insured vehicle.
  • In insurance group 30 or above.
  • Valued over £20,000.
  • Is left hand drive.
  • Has been modified and not built to UK or the manufacturer’s specifications.
  • Has more than 7 seats.
  • Is registered in a postcode not accepted in the application process.
A learner driver who is not being supervised by a person: -
  • Who is 25 years of age or older.
  • Does not hold a current full UK/EU/EEA driving licence.
  • Has not held a current full UK EU/EEA driving licence for 3 years or longer.
  • Has not been a UK resident for 2 years or longer.
    (A DVSA ADI or PDI Driving instructor or DVSA Examiner may also supervise the learner.)

I have no knowledge of any fault accidents or claims (a fault accident or claim is one which would have resulted in an insurer making a payment and/or loss of no claims bonus) I am liable for,
I have no motor convictions or motor convictions pending and
the registered owner / keeper of the vehicle has a current motor insurance policy in place.

For your convenience we would like to email you a link back to our website if you do not complete the application or you encounter any problems on the website. If you do not take out a policy, we will not store your email address or contact you again once this email has been sent to you.
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Need help?

Call us on 0345 519 4969, lines open 9am to 6pm, Monday to Friday.


Insurance Product Information Document

Information Document for the Covered Learner Insurance policy.


Policy Wording

Policy wording for the Covered Learner Insurance policy.