Does commonplace motor insurance cover someone next to with the sole purpose a provisional licence to drive,or does that require specia
special insurance?
Answers:
only some companys offer you insurence but it could be expencive shift on some one elses cheper
who ever is taking you out should technically inform their insurer that you are a name driver on their policy, it will be costly, but its the proper way.
And ONLY way
dont be tempt to dodge this the fine or implications in an disaster are not worth thinking about Source(s): 30 years driving experience
if you mean can you get insured through regular car insurance companies on a provisional licence then the answer is yes, i insured my self for my own motor on a provisional and then got a free yrs no claims bonus, it cost lb600 but it be worth it because every time some one came to my house who could drive i made them sit in my coupé while i drove them about with my L's on
you have to notify the company that you are planning to hold some one with a provisional only licence
if your beside line direct you can have them as a name driver and they will start to collect no claims even tho its on your policy
Technically an "any driver" policy would provide cover. However look for small print defining individuals entitled to drive. There may be exclusions on age, licence status there. It would be a wise precaution to inform the insurers and return with their response (in writing) that the learner is covered.
"Any Driver" policies always include a number of caveat in relation to the drivers to be insured. One of these caveats is that they hold a full UK driving licence (for a minimum of 12 months).
In answer to your quiz then, they would definitely NOT be insured as a provisional licence holder.
in the uk - you can be added on as a name driver to an existing policy (such as parents, friends, partners...)
or you can get your own insurance for your vehicle...
i added my bf onto my policy as a learner. it is pretty expensive, but next so is the insurance for teh first year after you pass and you will be building up no claims bonus all the time...
if driving on someone elses policy which is for any driver they requirement to check with their insurers both about your provisional licemce and your age as some policies lone cover over a certain age.
Unless the insurance company specifically exclude young/ inexperienced drivers - which they may do if the car is high gig (read your policy schedule to find out) - then an 'any driver' policy is only just that. Many insurers do, however, have age limits e.g. any driver over 25 or any driver over 30. If contained by doubt contact them,
Please note that the provisional licence holder must stay within the expressions of their licence i.e. be accompanied by someone aged over 21 with a full licence for three years and that any convictions/ calamity history should be declared to the insurance company. Also if the provisional licence holder becomes the main driver later this fact must also be declared.
Related Questions:
Answers:
only some companys offer you insurence but it could be expencive shift on some one elses cheper
who ever is taking you out should technically inform their insurer that you are a name driver on their policy, it will be costly, but its the proper way.
And ONLY way
dont be tempt to dodge this the fine or implications in an disaster are not worth thinking about Source(s): 30 years driving experience
if you mean can you get insured through regular car insurance companies on a provisional licence then the answer is yes, i insured my self for my own motor on a provisional and then got a free yrs no claims bonus, it cost lb600 but it be worth it because every time some one came to my house who could drive i made them sit in my coupé while i drove them about with my L's on
you have to notify the company that you are planning to hold some one with a provisional only licence
if your beside line direct you can have them as a name driver and they will start to collect no claims even tho its on your policy
Technically an "any driver" policy would provide cover. However look for small print defining individuals entitled to drive. There may be exclusions on age, licence status there. It would be a wise precaution to inform the insurers and return with their response (in writing) that the learner is covered.
"Any Driver" policies always include a number of caveat in relation to the drivers to be insured. One of these caveats is that they hold a full UK driving licence (for a minimum of 12 months).
In answer to your quiz then, they would definitely NOT be insured as a provisional licence holder.
in the uk - you can be added on as a name driver to an existing policy (such as parents, friends, partners...)
or you can get your own insurance for your vehicle...
i added my bf onto my policy as a learner. it is pretty expensive, but next so is the insurance for teh first year after you pass and you will be building up no claims bonus all the time...
if driving on someone elses policy which is for any driver they requirement to check with their insurers both about your provisional licemce and your age as some policies lone cover over a certain age.
Unless the insurance company specifically exclude young/ inexperienced drivers - which they may do if the car is high gig (read your policy schedule to find out) - then an 'any driver' policy is only just that. Many insurers do, however, have age limits e.g. any driver over 25 or any driver over 30. If contained by doubt contact them,
Please note that the provisional licence holder must stay within the expressions of their licence i.e. be accompanied by someone aged over 21 with a full licence for three years and that any convictions/ calamity history should be declared to the insurance company. Also if the provisional licence holder becomes the main driver later this fact must also be declared.
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