Understanding Collingwood Learner Insurance Terms And Conditions

Collingwood Learner Insurance is a comprehensive policy available to young drivers. The policy provides cover for learners who are learning to drive with a qualified driving instructor. It is important to understand the terms and conditions of the policy to ensure that you have the best coverage for your needs. This article aims to provide an overview of the key points of the policy.

Eligibility for Collingwood Learner Insurance

In order to be eligible for Collingwood Learner Insurance, you must be aged between 17 and 24, hold a valid UK driving licence and be a learner driver. The policy also requires you to be using a qualified driving instructor as part of your learning process. The policy covers you for up to 12 months of learning, with no limit on the number of lessons you can take.

Coverage of Collingwood Learner Insurance

Collingwood Learner Insurance provides cover for a variety of incidents and accidents. This includes cover for damages to your own car and any third party property, such as another vehicle or a stationary object. It also provides cover for personal injury and death, as well as legal expenses. The policy also includes cover for breakdowns, including towing and recovery, and for uninsured losses. The policy is subject to a £500 excess.

Exclusions of Collingwood Learner Insurance

It is important to understand the exclusions of the policy, in order to ensure that you are adequately covered. Collingwood Learner Insurance does not cover any intentional damage, or any damage caused by reckless or dangerous driving. The policy also excludes any claims for loss or damage caused by wear and tear, or any damage that occurred before the policy was taken out. The policy also does not cover any mechanical or electrical breakdowns that occurred before the policy was taken out. Finally, the policy does not cover any damage caused by an unlicensed driver.

Claims Process for Collingwood Learner Insurance

In the event of a claim, the process is simple and straightforward. You should contact the Collingwood claims department as soon as possible to report the incident. You will be asked to provide details of the incident, as well as proof of ownership of the vehicle and your driving licence. Once the claim has been accepted, Collingwood will arrange for the damage to be repaired or for a payout to be made. Collingwood also offers a 24-hour helpline in case of any queries or issues.

Conclusion

Collingwood Learner Insurance is a comprehensive policy for young drivers that provides a range of cover for a variety of incidents and accidents. However, it is important to be aware of the policy’s exclusions and claims process in order to ensure that you have the best coverage for your needs. By understanding the terms and conditions of the policy, you can ensure that you are adequately protected.