Provisional Driver Insurance For Own Car

What Is Provisional Driver Insurance?

Provisional driver insurance is a type of car insurance that is designed to cover young, inexperienced drivers and those learning to drive. It is usually required by law, and can be purchased to cover a vehicle owned by the driver, or a vehicle owned by a third party, such as a parent or guardian. The cost of provisional driver insurance varies depending on the age of the driver, the type of vehicle being insured, and the level of cover chosen.

What Is Included In Provisional Driver Insurance?

Provisional driver insurance generally includes the same level of cover as a standard car insurance policy, including liability, collision, and comprehensive cover, depending on the level of cover chosen. It also includes additional benefits such as breakdown cover, legal protection, and personal accident cover. The level of cover chosen will also determine the level of excess payable on the policy, which is the amount of money the driver must pay out of their own pocket if they need to make a claim.

Who Is Eligible For Provisional Driver Insurance?

In order to be eligible for provisional driver insurance, the driver must be aged between 17 and 25 years old, have held a valid driving licence for at least 12 months, have no more than six penalty points on their licence, and have no more than one fault claim in the past year. The driver must also have a good driving record, with no convictions for motoring offences.

What Are The Benefits Of Provisional Driver Insurance?

The main benefit of provisional driver insurance is that it allows young drivers to gain experience on the roads without having to worry about the high cost of car insurance. It also allows them to build up their no claims bonus and discounts, which can help to reduce the cost of their car insurance in the future. Another benefit of provisional driver insurance is that it offers additional benefits such as breakdown cover, legal protection, and personal accident cover, which may not be included in a standard car insurance policy.

How Much Does Provisional Driver Insurance Cost?

The cost of provisional driver insurance depends on a range of factors, including the age of the driver, the type of vehicle being insured, the level of cover chosen, and any additional benefits that are included in the policy. Generally, the cost of provisional driver insurance is much lower than a standard car insurance policy, due to the lower level of risk involved. However, the cost can still be quite high, so it is important to shop around and compare prices before taking out a policy.

Conclusion

Provisional driver insurance is a type of car insurance designed to cover young, inexperienced drivers and those learning to drive. It generally includes the same level of cover as a standard car insurance policy, and also offers additional benefits such as breakdown cover, legal protection, and personal accident cover. The cost of provisional driver insurance can be quite high, so it is important to shop around and compare prices before taking out a policy.