Provisional Driver Insurance

Provisional driver insurance is a short term, elaborated insurance policy for learners who want to use a private car to practice their driving. This flexible and ad-hoc policy specially designed for provisional license holders is a good way of mastering essential driving skills. As per the government rules for road safety, after getting provisional driving license, it is mandatory to have your car fully insured before you can start driving. This rule is important for both learner drivers and other commuters as it ensures safety.

You can learn driving in a car that belongs to your parents, relatives or friends, once you buy the temporary learner drivers’ insurance policy. This special type of insurance policy would be in your name and you would be compensated if on an unfortunate day, a car in which you were practicing, is involved in an accident which causes damage to it. You can purchase provisional licence insurance on a short term basis contrary to annual car insurance policy which runs for a whole year.

Not many companies are ready to provide insurance policy for learner drivers because the risk factor is very high and they would ask for very high premium rates if they do. However there are only a few companies which will provide you with driving insurance at lower premiums when you haven’t passed your test yet and don’t have your full UK driving licence. Initially the policy is for 28 days, however you can extend it for a week or more if you need more cover and are not done with learning yet.

Facts of the provisional insurance policy: -

• This insurance policy is only for learner drivers
• The car must be insurance group 16 or less, value of which must be under £20,000
• There must be a supervisor with the learner driver whose age should not be less than 25 years and he must have a valid permanent licence not less than 3 years old
• Superior could control the insured car if he would feel so in certain situations
• Policy would be applicable for the registered vehicle only, however there are some companies which would give you the option to switch over between cars, but would charge additional cost on the policy
• Provisional driving insurance policy is valid until the learner driver has passed the driving test
• You can renew or cancel this policy whenever you after the initial period has elapsed

Benefits of provisional licence insurance policy: -

• You can learn driving on your kin’s vehicle after getting this policy without going with a private instructor or any driving school (however it is recommended to have at least a couple driving lessons with an approved driving instructor)
• It will cost you cheaper to learn than going with driving school
• It is better than an annual car insurance policy, wherein you’re stuck with contract, however the provisional insurance policy is for short duration and flexible; you can move out once you’re through with learning and can look for better deals elsewhere or can stick to same by renewing it if you are getting lucrative benefits
• When you know that you learning with policy that insures you for anything, you will feel confident and you will learn faster

With all these benefits at your disposal, it would be silly to drive uninsured now!