Question 1

What is provisional driver insurance?

Accepted Answer

What is provisional driver insurance?Ultimately it is the same thing as provisional licence insurance or learner driver insurance and covers you for any driving practice you do in your car before you pass your test. Depending on the coverage level, provisional driver insurance protects you whilst learning to drive.

Question 2

Do I need insurance to drive on a provisional licence?

Accepted Answer

Do I need insurance to drive on a provisional licence?It is a legal requirement in the UK for anyone driving on UK roads to have car insurance in place, including learner drivers on provisional licenses. Learning to drive in an approved driving school vehicle with an instructor means you don't need to worry about organising your own insurance as the instructor arranges this, which is included in the driving lesson fee. Using a family or friend's vehicle means you must arrange provisional learner insurance or ask the vehicle's keeper to add you to their existing policy as a named learner driver. It's important to understand that adding you as a named driver to a family or friend's policy will likely significantly increase their insurance premium cost. Temporary learner driver insurance is a flexible car insurance option from providers such as tempcover that supplements the vehicle's existing insurance. It allows you to cover the use of a family or friend's vehicle for anywhere between one hour and 180 days, although you won't earn any no-claims bonus with this type of policy. Using your own vehicle to practice or learn to drive means you'll need to organise provisional licence insurance beforehand as you can't drive or keep the car on public roads without it. You need to add yourself as the learner driver and the person supervising you as a named driver. This option is likely to be more expensive, but it allows you to build up no-claims discounts that will help reduce your premiums in the future.

Question 3

How long do I need provisional licence insurance?

Accepted Answer

How long do I need provisional licence insurance?This depends on your circumstances. For instance, if you're primarily learning to drive in an approved driving school vehicle and decide to practice in a family car for a few hours before your driving test, you'll only need provisional licence insurance for those few hours. However, if you plan to learn to drive in your own vehicle, then provisional licence insurance will be required from when you start learning to when you pass your driving test. On the other hand, if you only learn and practice in an approved driving school car, you won't need provisional learner driver insurance at all as your instructor arranges it.

Question 4

Who can supervise me when learning to drive?

Accepted Answer

Who can supervise me when learning to drive?When you hold a provisional licence, you must have someone supervise you when you practice. You can arrange for a family member or friend to sit and supervise you in the car as long as they: Are over the age of 21 Are qualified to drive the vehicle you are learning to drive in Hold a full driving licence of three years or more

Question 5

How do I get insured as a learner driver?

Accepted Answer

How do I get insured as a learner driver?The easiest way to get insurance as a provisional driver is to use insurance comparison companies such as GoCompare, USwitch or MoneySupermarket to get the best quote. You'll need to have applied for your provisional licence, and you won't be able to drive your vehicle until your learner driver insurance is in place. Some insurance providers aren't on comparison sites, such as NFU Mutual and Direct Line, so we recommended obtaining quotations from these non-comparison site providers.

Question 6

How can I get cheaper car insurance as a learner driver?

Accepted Answer

How can I get cheaper car insurance as a learner driver?Funnily enough, learner driver insurance is usually cheaper than it is once you've passed your test. However, no one likes to pay more than they have to, and there are ways to keep provisional licence insurance down, including: Compare coverage and quotes using car insurance comparison websites Consider a telematics policy also known as black box insurance If you're learning in a family member or friend's car for short, intermittent periods, opt for temporary cover by companies like tempcover or Veygo Finally, be selective on the car you choose. Choosing a vehicle in a low insurance group will keep premiums down

Do I need insurance to drive on a provisional licence?

Do I need insurance to drive on a provisional licence?

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