Do I Need To Add Learner Driver To My Insurance
Do I Need To Add Learner Driver To My Insurance?
If you're a parent or guardian and you are teaching your child how to drive, you may be wondering whether or not you need to add them to your auto insurance policy. The answer is yes, and here's why.
When Should You Add A Learner Driver?
A learner driver must be added to your policy as soon as they start learning to drive. Even if the learner driver is not driving your car, but is driving another person's car with their permission, you must add the learner driver to your policy. This is because the learner driver will be covered by your policy in the event of an accident, regardless of whose car they are driving.
What Is The Cost Of Adding A Learner Driver?
The cost of adding a learner driver to your policy can vary based on the insurance company you choose and the type of coverage you have. Generally speaking, the cost of adding a learner driver to your policy can range from a few dollars to upwards of a few hundred dollars per year. It is important to shop around to get the best rate and make sure you are getting the right coverage for your needs.
What Is The Difference Between A Learner Driver And A Fully Licensed Driver?
The main difference between a learner driver and a fully licensed driver is that a learner driver is not yet fully qualified to drive on their own. As such, they are considered a higher risk to the insurance company and will usually be charged a higher rate. In addition, the learner driver must always be supervised by a fully licensed driver who is over the age of 25. This ensures that the learner driver is getting the proper instruction and guidance while they are learning to drive.
What Are The Benefits Of Adding A Learner Driver To Your Insurance?
The primary benefit of adding a learner driver to your policy is that you are protecting yourself and your child in the event of an accident. Having a learner driver on your policy can help to minimize the amount of money you will have to pay out in the event of an accident, as well as provide peace of mind knowing that your child is covered while they are learning to drive.
In Conclusion
Adding a learner driver to your auto insurance policy is important to ensure that you and your child are properly covered in the event of an accident. The cost of adding a learner driver can vary based on the insurance company and the type of coverage you have. It is important to shop around to get the best rate and make sure you are getting the right coverage for your needs.
