Day car insurance for learner drivers

Q: Does NRMA cover learner drivers?

We cover anyone who drives your car, even if theyre not listed. Cover is subject to standard underwriting guidelines and policy terms. For vehicles insured in NSW, QLD, ACT or TAS, an additional excess applies to drivers under 25 or with less than 2 years driving experience.

Car insurance for learner drivers

Generally, from the age of 16, teenagers can apply for a learner driver permit. If they meet the requirements, they can then start learning to drive with a fully licensed driver supervising them.

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Car insurance for learner drivers
Do I need to add my child to my policy if they are learning to drive?
Will my car insurance costs go up if a learner driver is driving my car?
What kind of car insurance does Bingle offer learner drivers?
Comprehensive Car Insurance
Third Party Car Insurance
What excess will apply if a learner driver is involved in an incident?
Here are some examples:
Why choose Bingle?
You control your policy
300+ repairers nationwide
Keeping you informed
No cancellation fees
Does Racq cover learner drivers?
Does NRMA cover learner drivers?
Does Bingle cover learner drivers?
Does YOUI cover learner drivers?

If you're a parent, you probably want to make sure your child is properly insured while they are learning to drive.

Bingle makes it easy. You don't have to tell us that a learner driver is driving your car or edit your policy. You just need to have a listed driver in the car while the learner is driving, and then the L-plater will also be considered a listed driver.

If there's not a listed driver in the car, the unlisted driver excess may apply. This is important to keep in mind if a learner driver is getting driving lessons by an instructor. Update your listed drivers here.

Do I need to add my child to my policy if they are learning to drive?

No, you don't need to add your child to your policy while they are on their L plates.
Once they get their P plates or provisional license, you may want to add them to your policy as a listed driver (otherwise the unlisted driver excess may apply).
However, if they have their own car when they're on their P plates, generally the insurance policy should be in their name.

Will my car insurance costs go up if a learner driver is driving my car?

Your Bingle car insurance premium won't go up if a learner starts learning to driving in your car, as we don't require you to list learner drivers.
However, if there is an incident, a driver age excess may apply if the learner is under 25 years of age.

What kind of car insurance does Bingle offer learner drivers?

Bingle doesn't have a specific leaner driver car insurance product, and you don't need to add learners to your policy.

If you want your learner driver to be insured, simply take up either Comprehensive Car Insurance or Third Party Property Damage Insurance, and make sure a listed driver is in the car to avoid the unlisted driver excess.

Find out more about our car insurance products:

Our highest protectionDamage to your carDamage to someone else's car & property

Comprehensive Car Insurance

Covers you for damage to your car, as well as to other people's vehicles and property caused by the use of your car. This is our highest level of cover.

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Damage to your carDamage to someone else's car & property

Third Party Car Insurance

Third Party Insurance only covers damage to other people's cars and property when caused by the use of your car. (Your car isn't covered.)

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What excess will apply if a learner driver is involved in an incident?

Depending on the age of the learner and whether a listed driver was in the car, more than one excess may apply for learner drivers:

The standard excess applies to all claims unless otherwise stated in the PDS. If you hold a Comprehensive car insurance policy with us, the standard excess ranges from $600 to $2200 depending on your state and what you selected when you bought or renewed your policy. If you hold a Third Party property policy, the excess varies based on your state. Your excess can be found in your Insurance Schedule.
An age excess of $600 applies if the driver is under 25 years of age at the time of the accident or incident. This is in addition to the standard excess.
The unlisted household member or unlisted regular driver excess is $1,950 – but you can avoid this by always having a listed driver in the car with the learner drivers. This is in addition to the standard excess.

Here are some examples:

If the learner driver is 17 and you (the listed driver) were in the car with them, you'd have to pay:

Standard excess + $600 age excess

If the learner is 28 and you (the listed driver) were in the car with them, you'd have to pay:

Standard excess only

If the learner is 17 and no listed drivers were in the car at the time of the incident the excess would be:

Standard excess + $600 + $1,950

Why choose Bingle?

Bingle puts you in the driver's seat

You control your policy

24/7 online access to your policy so you can make a claim anywhere, anytime.

300+ repairers nationwide

We use the same repair network as AAMI and Suncorp Insurance, giving customers access to 300+ repairers.

Keeping you informed

No cancellation fees

You can leave any time you want, at no cost. Because we know there's nothing worse than a relationship that you just can't get out of!

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Does Racq cover learner drivers?

The Learner Driver must be a valid Free2Go member with RACQ at the time of any incident. The Offer applies specifically to the "Basic" excess that would otherwise be payable under the RACQ Comprehensive Motor Vehicle policy. Other valid excess amounts may be payable. Click here for full terms and conditions.

Does NRMA cover learner drivers?

We cover anyone who drives your car, even if they're not listed. Cover is subject to standard underwriting guidelines and policy terms. For vehicles insured in NSW, QLD, ACT or TAS, an additional excess applies to drivers under 25 or with less than 2 years' driving experience.

Does Bingle cover learner drivers?

Yes, Bingle covers learner drivers (people on their Ls). There needs to be a listed driver in the car at the time of the incident to avoid the unlisted driver excess. The learner driver will then be treated as a listed driver, an age excess will apply if they are under the age of 25 at the time of the incident.

Does YOUI cover learner drivers?

As long as your learner driver is accompanied by a licensed driver, they are likely covered automatically on your car insurance. However, policies do differ so contact your car insurance provider before commencing lessons to see if you need to add them to your policy.