Whatever their gender, if you add a learner driver to your car insurance policy, your premium could increase. Insurance companies consider learner drivers to be at higher risk of accidents due to their lack of experience and may adjust premiums to account for this. Claims made while a learner driver is at the wheel can also attract an additional excess. However, premium adjustments may not always be the case, so it’s important to check with your insurance provider to understand the specific terms and conditions of your policy.