Car Insurance for Learner Drivers
If you are just learning to drive then it is important that you have some driving practice lessons in your own time, as tutored driving lessons with a qualified instructor are very expensive these days, and you will probably only be able to afford around 1 to 2 hours driving every week.
Anyone who has held their full drivers license for over 3 years (and has no driving offenses) can go out with a learner and supervise them during a practise session, and this is a good way for the learner to practise the skills taught to them in their tutored lessons, and also for them to take their time over points they feel less confident about such as reverse parking or moving off uphill.
It is very important the learners have auto insurance in place before they go out with for a private supervised driving practise session, and there are two ways you can go about this a) getting insured on the car owners policy or b) getting your own insurance.
Car Owners Policy
If you want to practice in a friends or relative’s car and they will be supervising you, then you can ask them if they would be willing to add you to their own insurance policy. This will meant that if you have an accident whilst driving then they will need to claim it on their insurance. If you drive a relatives car under their supervision without any insurance, then they will also be responsible for any consequences according to department of insurance by state, so if you are stopped by the police not only could you lose your provisional license but they could also get points on their license and a fine.
Own Insurance
Many insurance companies such as Collingwood Insurance offer flexible insurance policies specifically for learner drivers with provisional licenses, and this will mean that if you have an accident whilst out practising in your relatives car, you will claim under your own insurance and it will not cost them any money. These policies can be taken out for short-term periods such as 28 days, which make them much more affordable than policies which must be taken out over the year, especially as you may only want to practise in your own time now and again.
Learner policies are usually aimed at cars that are insurance group 15 and under (and worth under 20,000), and the average policy for a car based in insurance group 14 worth around £2,000 is around £90 to £100 for a 28 day third party cover. Learner driver insurance does not provide the best cover options around, and it will only cover you for the car you have specified when you took out the policy, and you must remember that once you have passed your test this learner policy will no longer be valid and you will need to update your cover with a full license policy.
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