Compare car insurance for learner drivers
Learner drivers: a guide to car insurance options
Car insurance premiums for young people who are usually sky high. The simple reason for this is that they are more likely to be involved in an accident or file a claim on their policy.
If you’ve already passed Your driving test, it is very important that you include the cost of car insurance and your budget.
Learner driver insurance rules
There are certain rules when it comes to the learner driver insurance. For example, if you signed up for driving lessons with a professional driving school, you don’t have to worry about the student’s insurance as it is included in the price of lessons, each fuel and taxes.
However, the driver and vehicle standards agency (DVSA) suggested that the new student should be well practiced for about 22 days, along with the typical professional lecture 45 hours deemed necessary to pass the test.
If you practice in your own car, car or friends or relatives, the learner driver insurance rules mean you still need insurance. It is illegal for any driver to drive without insurance, and you could face a fine and penalty points on your licence before you even have that!
If you take to the road in the family or friends of the car, they can add you to their insurance policy as a ‘ named driver ‘. But they may get a pleasant surprise when their premiums go up, since you are considered at risk for the insurers.
Additional premiums can be high – and accidents could endanger his no claims bonus. You may also be able to build your own no claims discount as a named driver.
Remember, it is illegal to name other people as the main drivers for car insurance policies if they are not really the main users. This is known as fronting-while it might be tempting to do this as a way to reduce your car insurance premiums, it is against the law, and may result in your claim being rejected, and may increase the price of cars insurance in the future. You will also earn points on your license if found.
What is covered in the learner driver insurance?
A number of companies offering car insurance for learner drivers, but what do they offer?
The policies usually provide You comprehensive cover for driving other people.
The flexibility of the learner driver insurance makes it easier for You to hone your driving skills when and where you choose.
Anyone can take you out for a spin practices, provided they are at least 25 years old and have held a full UK licence for at least three years.
You can find other ways to save money on Your car insurance by reading our money saving tips.
Compare prices of standard motor insurance available through MoneySuperMarket can help ensure that you find the cheapest deal available to you given your current circumstances.