Can A Provisional Driver Get Insurance?

What is a Provisional Driver?

A provisional driver is someone who has not yet obtained their full driving license, but is allowed to drive in certain circumstances. Generally, this means that the driver is still in the process of learning how to drive and has not yet passed their driving test. In some countries, provisional drivers may be required to display a special license plate or sticker on their vehicle.

Can a Provisional Driver Get Insurance?

The answer to this question depends on the type of insurance the driver is looking to obtain. Generally speaking, provisional drivers can obtain some types of insurance, such as third-party insurance, but may not be able to obtain others, such as comprehensive insurance. It is important to note that some insurance companies may not issue insurance to provisional drivers, so it is important to check with the insurance company before obtaining any insurance.

Third-Party Insurance

Third-party insurance is the most basic type of car insurance and is the only type of insurance that most provisional drivers can obtain. This type of insurance covers any damage that the driver may cause to another person’s vehicle or property. This insurance does not cover the driver’s own vehicle or any damage that the driver may cause to themselves, as this type of insurance does not provide any personal liability coverage.

Comprehensive Insurance

Comprehensive insurance is the most comprehensive type of car insurance and covers any damage to the driver’s own vehicle, as well as any damage that the driver may cause to another person’s vehicle or property. This insurance also provides personal liability coverage in the event that the driver causes an accident or injury to another person. Unfortunately, this type of insurance is generally not available to provisional drivers, as most insurance companies do not consider them to be experienced enough drivers to warrant this type of coverage.

What Are the Alternatives for Provisional Drivers?

If a provisional driver is unable to obtain insurance, there are a few alternatives available. The first option is to take out a learner’s permit, which is a permit that allows the driver to drive under the supervision of an experienced driver. This type of permit is generally issued by the state and may require the driver to take a driving course or pass a written test. The second option is to take out a named driver policy, which is a type of insurance policy where the main driver is an experienced driver and the provisional driver is listed as a named driver on the policy. This can be a good option for provisional drivers, as they will be covered by the policy but will not have to pay full premiums.

Conclusion

It is possible for provisional drivers to get insurance, although the type of insurance they can obtain may be limited. Third-party insurance is generally the most common type of insurance that provisional drivers are able to obtain, although some may be able to obtain more comprehensive coverage. If a provisional driver is unable to obtain insurance, there are alternatives available, such as learner’s permits and named driver policies. Ultimately, it is important for provisional drivers to do their research and speak to an insurance provider to ensure they get the best coverage for their needs.