Daily Car Insurance For Provisional Drivers

What is Provisional Car Insurance?

Provisional car insurance is a type of car insurance specifically designed for new drivers who are still learning to drive. It is generally more costly than the standard car insurance policy due to the added risk these drivers pose to the insurance company. Provisional car insurance is usually only available to drivers aged between 17 and 25 years old, and is typically valid for a period of 12 months. The aim of provisional car insurance is to provide cover while the driver is learning to drive and preparing to pass their test, and also to give them the confidence to drive on their own.

How Does Provisional Car Insurance Work?

Provisional car insurance works in much the same way as other types of car insurance. The driver is required to provide proof of age and a valid driving license, as well as details of the vehicle they will be driving. The insurance company will then assess the risk associated with the driver and the vehicle, and will issue a policy that covers the driver for a period of time. This policy will usually include some form of excess, as well as a higher premium to reflect the added risk to the insurance company.

What Are The Benefits of Provisional Car Insurance?

The main benefit of provisional car insurance is that it provides cover for young drivers while they are still learning to drive. This means that they can practice with a qualified instructor or with a parent or guardian, without worrying about the consequences of an accident. Provisional car insurance also allows young drivers to build up a record of safe driving, which can help reduce their insurance premiums in the future. It also allows them to test drive different vehicles and get a feel for how they handle on the road.

What Are The Disadvantages of Provisional Car Insurance?

The main disadvantage of provisional car insurance is that it is more expensive than standard insurance policies, due to the added risk associated with inexperienced drivers. It is also important to note that provisional car insurance is only available to drivers aged between 17 and 25 years old, so those outside this age range will not be able to benefit from this type of cover. Finally, it should be noted that provisional car insurance does not cover the cost of repairs or the cost of replacing a damaged vehicle, so it is important to consider this before taking out a policy.

Where Can You Find Cheap Provisional Car Insurance?

If you are looking for cheap provisional car insurance, you should start by comparing different policies from different insurance companies. Make sure to look for discounts that may be available, and also make sure to check the small print on any policy you are considering. You can also compare quotes online, which is often the quickest and easiest way to find the best deals. Finally, you should also consider taking out a black box policy, as these can often be cheaper than standard policies.

Conclusion

Provisional car insurance is an important form of cover for young and inexperienced drivers. It can provide them with the peace of mind to practice and get used to driving on the roads, without having to worry about the consequences of an accident. However, it is important to remember that provisional car insurance is more expensive than standard policies, so it is important to shop around and compare quotes before taking out a policy. Finally, remember that provisional car insurance does not cover the cost of repairs or the replacement of a damaged vehicle, so it is important to consider this before taking out a policy.