Adding a Learner Driver to Your Car Insurance

Why Should You Add a Learner Driver to Your Insurance?

If you have a learner driver in your household, you may be wondering whether it would be a good idea to add them to your car insurance policy. After all, adding a learner driver to your car insurance policy could potentially increase your premium. But before you make a decision, it’s important to understand why adding a learner driver to your policy can be beneficial. The main reason why adding a learner driver to your policy can be beneficial is that it can provide extra protection for both you and the learner driver.

When a learner driver is added to a policy, the learner driver is covered for any damages or losses that may occur as a result of them driving the vehicle. This means that if the learner driver is involved in an accident, you will not be liable for any costs associated with the incident. Furthermore, adding a learner driver to your policy can also help to keep your premiums down, as the insurer will factor in the learner driver’s lack of experience when calculating your premium.

What Are the Requirements for Adding a Learner Driver to Your Insurance?

If you’re thinking of adding a learner driver to your car insurance policy, there are a few requirements that you must meet. Firstly, the learner driver must be over the age of 17, and must have a valid provisional driving licence. Additionally, the learner driver must not be the primary driver of the vehicle, so if the learner driver is going to be driving the vehicle regularly, you may need to look into purchasing a separate policy for them.

In addition to these requirements, it’s important to note that the learner driver will need to be supervised by a qualified driver while they’re behind the wheel. This means that the qualified driver must be over the age of 21 and have held a full driving licence for at least three years. The qualified driver must also be insured to drive the vehicle that the learner driver is using.

What Are the Costs of Adding a Learner Driver to Your Insurance?

The cost of adding a learner driver to your car insurance policy will vary depending on the insurer, so it’s important to shop around for the best deal. Generally speaking, the cost of adding a learner driver to your policy will be higher than if you were to add an experienced driver, as the insurer needs to factor in the learner driver’s lack of experience. However, the cost of adding a learner driver to your policy may be offset by any discounts that you may be eligible for. Additionally, some insurers may offer discounts to learner drivers who have completed a driver education course.

Tips for Saving Money When Adding a Learner Driver to Your Insurance

If you’re looking to save money when adding a learner driver to your car insurance policy, there are a few tips that you can follow. Firstly, you should make sure to shop around for the best deal. There are a number of insurers that offer competitive rates for learner drivers, so it’s important to compare prices before making a decision. Additionally, you should consider raising your excess, as this will help to keep your premiums down.

You should also consider taking out a telematics policy, as this can be a great way to save money. Telematics policies involve fitting a black box to the vehicle, which helps the insurer to monitor the driving habits of the learner driver. If the learner driver is able to demonstrate that they are a safe and responsible driver, they may be eligible for discounts on their premiums.

Conclusion

Adding a learner driver to your car insurance policy can be a great way to provide extra protection for both you and the learner driver. However, it’s important to understand the requirements and costs associated with adding a learner driver to your policy, as this can help you to make an informed decision. Furthermore, there are a few tips that you can follow to save money when adding a learner driver to your policy, such as shopping around for the best deal and taking out a telematics policy.