A specialist motor insurer is now offering policies that cover learner drivers for as little as a single day.
The theory behind Dayinsure's policies is that many learners find the cost of lessons mean they need to practice as much as possible in between sessions. While they can do so in a friend or family member's car, the car owner will need to extend their insurance policy to cover the learner.
Given the increased risk of a crash, that can be extremely expensive, particularly considering most policies can only add an extra driver for an entire year, even if the learner only needs to access the car now and again. Meanwhile people who run company cars will often find it impossible to add a learner driver to the policy.
At least one specialist insurer already offers learner driver cover by the month. Dayinsure says it wants to be even more flexible, offering policies that run as little as one day. The cover certificates are issued instantly via e-mail, meaning its possible for a learner to arrange to go out for a drive in somebody else's car with virtually no notice.
The policies, which are offered in partnership with Aviva, do have several restrictions. The cover isn't valid between 10pm and 6am. It only applies where the car is owned by somebody other than the learner driver, and the car must have no more than six seats. At all times the learner must be accompanied by somebody aged at least 25 whose had a full licence for at least three years.