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Can I take out two car insurance policies on one car?

By Paul Baxter, 6th March 2025

Our recent research highlights how families are stepping in to help reduce the cost of learning to drive – with 22% of learners now combining professional lessons with family practice.

One question we’re frequently asked from the car owners is “can I take out a second policy on my car?” – Yes – you absolutely can.

Adding a learner driver policy alongside your main car insurance offers significant advantages. Because this policy is entirely separate, should the learner need to make a claim whilst driving your car, it won’t affect your own No Claims Discount (NCD). This means that your safe driving record remains intact, ensuring your long-term premium rates aren’t compromised.

A win-win for your family

This approach offers benefits that work in your favour:

Cost effective: adding a separate learner driver policy to your car is often cheaper than adding them as named driver to your current policy.
No limits or curfews: as long as the learner driver is supervised, they can drive as long as they need at any time of day.
Peace of mind: your NCD is protected, you can relax knowing that your insurance is safe, even if your child needs to make a claim.
Flexibility: you don’t have to sign up for a full year of insurance. Just buy the number of days you need from 7 days. There is no long-term commitment meaning you don’t pay for a policy you don’t need.

How to get learner driver insurance

Setting up a learner driver policy is simple. Get a quote today and with our flexible cover – you only pay for the days you need it. With coverage options from 7 to 90 days, you can even opt for continuous cover that automatically renews. Once your learner passes their test, the policy will end and any unused days over 30 days will be refunded.

Paul Baxter - CEO, The Green Insurer

Paul Baxter is the Chief Executive Officer of The Green Insurer. With over 25 years of experience in the insurance industry, Paul has held senior leadership positions at Marmalade Insurance, Chaucer Insurance Service, Tesco Insurance, and Direct Line, shaping the future of motor insurance in the UK.

With a strong track record in insurance, his expertise spans digital transformation, insurance innovation, and customer-centric solutions. Passionate about shaping a future that is not only safer for drivers but also better for the planet and all people. Paul is committed to giving customers a genuine option to buy green insurance easily.

Connect with Paul on LinkedIn.