Can You Get Car Insurance With A Provisional Licence?

Getting Insurance with a Provisional Licence

If you are a new driver and are looking to get car insurance, then you may want to know if you can get a policy with a provisional licence. The answer is that yes, you can get car insurance with a provisional licence, but it will likely be more expensive than if you had a full licence. This is because insurance companies view drivers with provisional licences as higher risk, so they charge higher premiums.

Types of Insurance Cover

When you are looking to get car insurance with a provisional licence, it’s important to understand the different types of cover available. You can choose from Third Party, Third Party Fire and Theft, or Comprehensive cover. Typically, when you have a provisional licence, you will be offered Third Party cover, as this provides the lowest level of cover. It covers any damage to other people or property caused by your vehicle, but not your own vehicle.

Finding the Right Policy

When looking for car insurance with a provisional licence, it’s important to compare policies from different insurers, to make sure you are getting the best deal. Make sure you read the small print, and that you understand the different types of cover available, as this will help you to choose the most appropriate policy for your needs. It’s also important to shop around for the best deals, as prices can vary significantly between insurers.

Adding Experienced Drivers

If you are getting car insurance with a provisional licence, you may be able to get a better deal if you add an experienced driver to the policy. This can help to reduce the cost of the policy, as the insurer will see the experienced driver as less of a risk. However, it’s important to make sure that the experienced driver is actually named on the policy, as this is the only way to make sure that they are covered by the insurance.

Getting the Cheapest Price

When you are looking to get car insurance with a provisional licence, there are several steps you can take to reduce the cost of the policy. For example, you should always look to increase your voluntary excess, as this will lower the cost of the policy. You may also want to consider additional security measures, such as fitting an approved alarm system or immobiliser, as this can help to reduce the cost of the policy. In addition, you should always shop around for the best deals, as prices can vary significantly between insurers.

Conclusion

In conclusion, it is possible to get car insurance with a provisional licence, but it will likely be more expensive than if you had a full licence. It is important to understand the different types of cover available, and to shop around for the best deals. You may also be able to reduce the cost of the policy by adding an experienced driver, or by fitting additional security measures, such as an alarm system or immobiliser.