Adding A Learner Driver To Car Insurance

What Is A Learner Driver?

A learner driver is someone who is in the process of learning how to drive a car. They may have just passed their driving test or they could be in the process of getting their license. The most common way for someone to gain experience driving is to take driving lessons with a qualified instructor. Once they have gained enough experience and have passed the required tests, they will be able to apply for their full license.

Do I Need To Add A Learner Driver To My Car Insurance?

Yes, if you are planning on allowing someone to drive your car that is still learning, you will need to add them to your car insurance policy. This is because learner drivers are not permitted to drive unaccompanied, which means that they must always be supervised by a fully licensed driver. Without having the learner driver added to your policy, you may not be covered for any damage caused in the event of an accident.

How Do I Add A Learner Driver To My Car Insurance?

Adding a learner driver to your car insurance policy is relatively straightforward. You will need to contact your insurance provider and provide them with the details of the learner driver. They will then assess the risk and provide you with a quote for the additional cover and any additional cost that may be involved. Once you have agreed to the terms of the policy, the learner driver will be added to your policy.

Are There Any Restrictions For Learner Drivers?

Yes, there are restrictions in place for learner drivers. For example, they must be supervised by a fully licensed driver at all times when they are driving. This means that the learner driver must be accompanied by a qualified driver who has held a full license for at least three years. Also, the learner driver must be over the age of 17 and they must display 'L' plates on the vehicle when they are driving.

Are There Any Additional Costs?

Yes, there may be additional costs involved when adding a learner driver to your car insurance policy. This is because the insurance provider will need to take into account the additional risk posed by having an inexperienced driver on the policy. As such, your premiums may be increased to cover this additional risk, so it is important to check with your insurer before agreeing to any additional cover.

Are There Any Other Considerations?

Yes, there are a few other considerations to bear in mind when adding a learner driver to your car insurance policy. For example, you should make sure that the learner driver has a valid provisional license. Also, you should ensure that the learner driver has had the appropriate number of hours of supervised driving practice before they are allowed to drive unaccompanied. Finally, you should check with your insurer to ensure that the learner driver is covered for any damage caused in the event of an accident.