Learner driver insurance explained.
Learner driver insurance is short-term, temporary insurance designed to cover individuals while learning to drive and practicing with someone other than a qualified driving instructor. Here are some key points to understand about learner driver insurance:
Purpose: Learner driver insurance is intended for those learning to drive and need coverage when practicing with a family member or another adult who is not a qualified driving instructor.
Coverage Period: This type of insurance is typically offered for short durations, ranging from a few hours to several months. Some policies even allow you to get a refund for the unused portion if you pass your test early.
Conditions: Learner driver insurance policies often come with specific needs, such as curfews or restrictions on nighttime driving. The car you’re practicing in must already have its separate annual insurance cover.
Excess: Like other types of insurance, learner driver insurance policies may have an excess, which is the amount you must pay toward repairs in the event of an accident.
Ends After Passing Test: Learner driver insurance ends as soon as you pass your driving test, so it’s crucial not to attempt to drive home after passing without proper coverage.
Do Learner Drivers Need Insurance? Yes, anyone who drives a car on public roads in the UK, whether they hold a full or provisional driving license, needs insurance. Driving without the proper insurance is illegal and can result in penalties, including fines, points on your support, and an unlimited fine even before passing your test.
When learning to drive with a qualified instructor, the instructor’s car will typically have the appropriate insurance. However, if a family member or friend is teaching you, specific legal requirements and conditions exist for their supervision.
Legal Requirements for Supervisors:
- They must be at least 21 (though some companies require supervisors to be over 25).
- They must hold a full driving license for at least three years, issued in the UK or a country in the European Economic Area (EEA).
- They must be qualified to drive the vehicle you’re practicing in.
- They must provide the same care and attention as they would driving the car themselves.
- They must not be paid to teach or supervise you.
If you drive without proper supervision by someone who meets these criteria, you can face substantial fines and penalty points on your license.
Additionally, it’s essential for the person supervising you to check with their insurance provider to ensure they’re fully covered while leading a learner driver. Some insurers may require the learner driver to be added to the policy, or you can opt for temporary or learner driver insurance for the practice sessions.
Cost of Learner Driver Insurance: Learner driver insurance is typically more expensive than insurance for experienced, older drivers. The cost of learner insurance depends on various factors, including the coverage duration, the policy type, and the insurance provider. It’s essential to compare quotes from different insurers to find the best deal for your needs.
Learning to drive can be costly, but it’s crucial to prioritize safety and legality. Proper insurance coverage helps protect both learners and those supervising them during practice sessions.