Car Insurance for Learner and Restricted-Licence Drivers — NZ
How learner / restricted licence drivers are covered, supervising-driver rules, listed-driver model.
Last refreshed 2026-05-20
Considerations
Learner Licence holders must have a supervising driver under NZTA rules. Some insurers add policy conditions reflecting this.
Restricted Licence holders have time-of-day and passenger restrictions (no driving 10pm-5am, no passengers under 20 without an approved supervisor). Breaching licence conditions can affect claims.
Most insurers require the new driver to be a listed driver on the policy. Some policies cover any driver with the policy-holder's permission but apply an additional under-25 excess.
If a new driver will be using a parent's vehicle most of the time, list them on that policy rather than holding a separate policy on a lower-value vehicle. Confirm with the insurer.
Most-relevant providers
Based on the considerations above. Not a ranked recommendation — every situation differs. Get a personalised quote across multiple insurers for your specific situation.
Other NZ motor insurers we cover (7) ↓
Topics that matter most for new drivers (learner / restricted)
Cross-insurer matrices on the topics most relevant to new drivers (learner / restricted).