Learners almost always drive someone else's car, which means the question is not usually what policy to buy but whether the existing policy covers an L-plater and at what excess.
Most comprehensive policies do cover a learner driving under supervision. The details differ enough between insurers that it is worth a phone call rather than an assumption.
Some insurers cover learners automatically without adding them as a listed driver; others want them declared. Adding a learner often costs little or nothing while they hold an L, because supervised driving is comparatively low risk. Not declaring where the insurer requires it is the problem — it can reduce or void a claim. The safest move is to ask the insurer directly and get the answer in writing.
Even where a learner is covered at no extra premium, an age or inexperienced-driver excess usually applies to a claim involving them. That is the trade the insurer is making: cheap to add, expensive if it goes wrong. Knowing that figure in advance stops it being a surprise on an already bad day.
The moment the learner passes, the risk profile changes sharply and so does the pricing. Supervised driving is not solo driving, and insurers price it accordingly. If a learner in your household is approaching their test, expect the premium to move at the next renewal and check the policy again then rather than assuming continuity.
Usually yes under a comprehensive policy while driving supervised, but some insurers require them to be declared as a driver. Confirm with your insurer rather than assuming, because the consequence of getting it wrong appears at claim time.
Often very little or not at all while they hold an L, because supervised driving is lower risk. What usually applies instead is a higher excess on any claim involving them.
Generally no. Learners drive under the policy covering the car they are in. A separate policy only becomes relevant once they have their own vehicle.
Medicare Levy Surcharge thresholds and government rebate percentages are reviewed regularly, so this page does not quote them. For the current figures see the ATO and the government's privatehealth.gov.au.
