We’ve changed the way you buy and use insurance.
Read this then ask yourself:
Why would I buy any other Learner Driver Insurance ?
10 really good reasons to use Covered On Demand.
- You really need to stop using dated insurance products. We’ve worked really hard to build this new really clever insurance that could save you money. Try it and let us know if we have succeeded.
- You can avoid paying for days you’re not driving. Nobody likes paying for something they are not using. You only use this insurance when you need it.
- Get something for free. We all like something for free so we are giving you 100% more time to use the insured days you’ve paid for. That’s a first in insurance.
- You build your policy around you. Buy a small policy to start off and just top up your policy as you go along.
- It’s really flexible. You manage your policy. Only book Insured Days when the car and a supervisor are available.
- Instant access cover and documents 24/7. You never know when you want to book days. Use your smartphone, laptop or tablet to book your Insured Days at any time.
- Its Fully Comprehensive Cover. You get all the benefits of a fully comprehensive policy when you’re driving.
- Helps you plan your private practice time. The DSA recommend 20 private practice hours. Plan your time when you, the car, and a supervisor are available.
- Protects the car owner’s NCB. The car owner wont get grumpy If you have a fault accident, your Covered On Demand policy covers the damage.
- Use your phone, tablet or PC. No APPs or Black Boxes to fit or download.
Pay-As-You-Go Learner Driver Insurance.
Only pay for the days you're learning to drive. Not the the days you wish you were.
Buy 3 Insured Driving Days
You have 7 days to use them.
Buy 7 Insured Driving Days
You have 14 days to use them.
Buy 14 Insured Driving Days
You have 28 days to use them.
Buy 28 Insured Driving Days
You have 60 days to use them.
Buy 14 Insured Driving Days
You have 60 days to use them.
Buy 28 Insured Driving Days
You have 90 days to use them.
* The policy excess is waived, whether you are at fault or not, if Dash Camera footage (or any other form of visual recording) covering the period of, and immediately prior to, any accident can be provided within 48 hours of the incident occurring.
Top-up your policy
- After you’ve purchased your On Demand policy you may need additional driving time or you may have Insured or Policy Days left in your account that you don’t want to waste. You have the option to Top-up your insurance policy with additional Insured or Policy Days or select a new package of Insured and Policy days.
- Simply Log into your account, go to PURCHASE MORE DAYS and you will be given the following Top Up options to select from. You can use the Top Ups as many times as you need to. All Top Ups will be added to the existing days you have remaining in your account.
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Top-up Days:
5 Additional Insured Days £26.88
10 Additional Insured Days £40.32
30 Additional Policy Days £17.92
60 Additional Policy Days £28.00
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Packages from:
3 Insured Days Over 7 Policy Days £20.16 £500 Excess
3 Insured Days Over 7 Policy Days £22.40 £250 Excess
The excess selected on your original purchase will apply to any Top Up.
You’re in safe hands.
Your insurer. KGM Motor Insurance is regarded as one of the UK’s leading specialist Motor Insurers with over 60 years experience in the Motor Insurance industry.
Covered Insurance. We are a leading supplier of Learner Driver Insurance. We insure thousands of learner drivers every year.
If you have a Claim. Our Claims Helpline is open 24 hours a day, 365 days a year - there to help you when you need us.
If you have a question. email us at motor@coveredinsurance.com.
Why did we build On Demand?
Simple. We listened to our customers. They wanted something different that was built around them.
- Try and make insurance different and a bit more interesting.
- To stop having to pay for the days we are not driving.
- We want easy access from our mobiles.
- Can we turn insurance on and off and just use it when we need it.
- Can we buy small policies and top them up on line like our mobile phone.
- We would like more time to use the days we’ve purchased.
Covered On Demand
We have used the latest technology to help learner drivers avoid wasting money when they're not driving.
On Demand gives you 100% more policy time, plus more flexibility and value than a traditional motor policy.
You can now buy a policy to use when it suits you. Use our booking system smartly and you can avoid paying for the days you're not driving.
You book insurance days when you know the car and a supervisor are available. *
*When you have booked days they cannot be changed, so book days carefully and not too far in advance.