Adding a Learner Driver to Your Car Insurance

What is a Learner Driver?

A learner driver is a person who is in the process of learning to drive a motor vehicle. They are not yet fully licensed to drive independently and must be accompanied by a qualified driver. They must be supervised by another driver who is over 21 years of age and has held a full license for a minimum of three years. Depending on the jurisdiction, they may either be required to carry a learner's permit or be granted provisional driver's license.

Why do You Need to Add a Learner Driver to Your Car Insurance?

It is important to add a learner driver to your car insurance policy in order to ensure that you are covered in the event of an accident. Without the learner driver being listed on the policy, they are not covered and your insurer will not pay out any claim. Even though the learner is not yet licensed, they still pose a risk to you and other road users, so it is important that they are added to your policy.

How to Add a Learner Driver to Your Car Insurance?

Adding a learner driver to your car insurance policy is a fairly straightforward process. Most insurers will allow you to add a learner driver to your policy for a small fee. You will need to provide the learner's details, including their name, address, date of birth and driving license number. The insurer will also need to know the dates that the learner will be driving your car. Once these details are submitted, the insurer will calculate the premium and you can then pay the additional fee.

Are There Any Restrictions on Adding a Learner Driver?

There are a few restrictions to be aware of when adding a learner driver to your policy. The main one is that the learner driver must be supervised at all times. This means that they must be accompanied by a fully licensed driver over the age of 21 who has held a full license for at least three years. The learner driver must also be between the ages of 17 and 24. Depending on the insurer, there may also be restrictions on the type of car that the learner can drive. For example, some insurers may not allow learners to drive high-performance cars.

What Are the Benefits of Adding a Learner Driver?

Adding a learner driver to your car insurance policy provides you with peace of mind that you are covered in the event of an accident. It also provides you with the flexibility to allow the learner to drive your car when necessary. You can also save money on your premiums by ensuring that the learner is added to your policy. This is because the insurer will take into account the learner's driving experience when calculating your premium.

Conclusion

Adding a learner driver to your car insurance policy is an important step to ensuring you are fully covered in the event of an accident. It is important to make sure that all the necessary details are provided to the insurer and that any restrictions are adhered to. This will ensure that you are protected and that the learner driver is able to drive your car with peace of mind.