Bingle covers learner drivers (people on their Ls or L plates) – there just needs to be a listed
driver in the car to avoid the unlisted driver excess.
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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
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.
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,
several excess may apply for learner drivers:
The standard excess applies to all claims unless otherwise stated in the PDS. It ranges from $650 to
$795 depending on your state or territory.
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
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.
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Login 24/7 to see up to date repair tracking. And we'll keep you updated every step of the way by email or SMS.
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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This is just a summary. See the policy documents for full details of terms, conditions, limits and
exclusions about what is and isn't covered, limits and conditions.
Refer to Product Disclosure Statement (PDS) for full details.