What You Should Know about Learner Driver Insurance

travel on a budget

The following article is a guest post.

When learning to drive, it is all about time spent behind the wheel. Lessons can be expensive (and stressful), so it is important for learner motorists to practice everything that they have learnt in a non-lesson environment. This will help them to develop their skills and confidence so that they feel ready to take the test.

There is a lot of confusion over the legalities of driving as a learner, so here is all you need to know:

Learner Driver Laws

First, it is vital that you are always accompanied by a qualified driver between the ages of 21 and 75 and they must have had their license for at least 3 years. You must also have a provisional license. The vehicle being used must be insured under an annual policy, but the majority only provide cover for named drivers so always check this carefully. If you are not covered to get behind the wheel, you must never do so and instead obtain temporary learner driver insurance from a company like Dayinsure.

Learner Insurance

Temporary learner driver insurance protects the No Claims Discount (NCD) of the annual policyholder and provides protection if you were to get into an accident with an excess of just £250 – this is much less than on an annual policy for a 17-year-old, which would be in the range of £600 to £1,000.

Temporary learner driver insurance (usually) covers the driver between the hours of 6 A.M and 10 P.M and can be arranged for as little as 2 hours right through to 5 months. This is handy when you have a test booked and want to get in some intensive practice in the run-up to the big day. The cover ceases immediately once you have passed your test and any unused premium can be refunded if you pass your test ahead of schedule.

Arranging Cover

In order to arrange cover, the motorist must be at least 17 and the holder of a provisional license. They should also be a permanent UK resident and have permission to drive a car that is registered in the UK, has a current market value of under £30,000, has not been modified, has no more than six seats and is not a hire car.

They will need to provide their name, DOB and email address along with the vehicle’s registration number (and annual insurance details) along with the provisional driving license number and payment details. When you use a reputable provider, the insurance should then be arranged very quickly so that you can begin practicing.

Borrowing a Car

This means that temporary learner insurance can allow you to borrow your parents’, friend’s, grandparents’ or another car to practice in as long as you have permission and you are supervised at all times by an appropriate supervising driver. In addition to this, you must always have L plates displayed at the front and rear when it is a learner behind the wheel to alert other motorists on the road.

There is a lot of confusion surrounding cover and legalities when it comes to learner drivers and this can be incredibly dangerous. Temporary learner driver insurance is a fast and easy way to get coverage for a vehicle without putting the named driver or yourself at risk. You then have the freedom to practice as much as you like before taking the test.

Get The Lifestyle Designer's Digest

Sharing my adventures in lifestyle design, building an online business, and growing this blog. Join me for weekly updates.

Previous ArticleNext Article