Can I get car insurance on a learner permit?

In Ireland, car insurance is mandatory to drive on public roads. It helps protect you financially if you’re involved in an accident. Depending on the level of cover you choose, it may cover the damage you cause to others and the cost of repairs to your own car.

A learner permit (formerly known as a provisional licence) allows you to learn to drive on public roads in Ireland with certain conditions listed in the RSA's Rules of the Road.

All learner permit drivers must:

1. Be accompanied by a fully licensed driver at all times
2. Display L plates on their vehicle
3. Not drive on motorways until they pass their driving test

1. Comprehensive insurance

Comprehensive car insurance offers the highest level of cover. It can protect against damage to your own car, even if you're at fault in an accident.

2. Third party, fire and theft

Third party, fire and theft car insurance covers damage you cause to others and also offers protection if your car is stolen or damaged by fire.

3. Third party only insurance

This is the minimum legal cover and only protects against damage you cause to others. Third party only car Insurance is not currently offered by Aviva. 

Introducing Aviva Telematics for new and inexperienced drivers

Our Aviva Telematics car insurance is designed with learner drivers in mind. It uses a small device installed in your car to track / monitor your driving behaviours, including speeding, braking and cornering. The aim? To help you become a safer driver.

Over time, better driving could result in lower premiums. It’s a smart way to build good habits from the start.

• Encourages safer driving habits
• Could lead to lower premiums over time
• Can improve confidence behind the wheel

Learn more about the differences between telematics / black box Insurance versus traditional car Insurance in our helpful guide.

Getting started is easy. Just complete Aviva’s online application form for a car insurance quote, including your driving experience details and learner permit information. You may be eligible for a Telematics quote depending on the information you enter.

1. Add a named experienced driver

Including a named driver with experience on your policy – such as a parent or guardian – can help reduce your premium, as insurers may view this as lower risk.

Note: You must be the main driver on your insurance policy. Although it may be enticing to have an experienced driver listed as the main driver with you as a named driver to try and reduce costs - it is illegal. This Is called "fronting". Learn more about fronting in our detailed guide.

2. Choose a car more suited to learner drivers

Opting for a small engine car with modern safety features can help reduce your premium as a learner driver – and even lower your car tax.

3. Consider a telematics policy

A telematics insurance policy is ideal for learner permit holders and new drivers who don't yet have a no claims bonus. It helps you get started on the road while encouraging good driving habits which will prove useful when you prepare to take your driving test.