Can I Get Car Insurance With Provisional Licence
Can I Get Car Insurance With Provisional Licence?
Driving on a provisional licence can be an exciting experience for young drivers. However, it is also important to remember that a provisional licence comes with its share of restrictions, and this includes the type of insurance you can get. So, can you get car insurance with a provisional licence? The answer is yes, but there are some important things to consider.
What is a Provisional Licence?
A provisional licence is a type of licence issued by the Driver and Vehicle Licensing Agency (DVLA) in the United Kingdom. It allows drivers to learn to drive and take their practical driving test. It also allows drivers to drive on public roads, but with certain restrictions. For instance, drivers with a provisional licence must always be accompanied by a qualified driver who is over 21 years old and has held a full driving licence for at least three years.
What Type of Car Insurance Can I Get With a Provisional Licence?
The type of car insurance you can get with a provisional licence depends on the insurer. Some insurers may offer third-party only insurance policies, while others may offer fully comprehensive policies. Third-party only policies are the most basic type of car insurance and provide cover for damage to other people's property or vehicles caused by the policyholder. Fully comprehensive policies provide cover for damage to the policyholder's own vehicle in addition to third-party cover.
Are There Any Restrictions?
Yes, there are some restrictions when it comes to car insurance for provisional licence holders. For example, some insurers may require you to have a qualified driver with you at all times. This means that you will not be able to drive alone or with other provisional licence holders. Additionally, some insurers may exclude certain types of cover, such as cover for windscreen or window damage, or cover for personal belongings.
How Much Does Car Insurance Cost With a Provisional Licence?
The cost of car insurance with a provisional licence will vary depending on the insurer and the type of policy you choose. Generally, however, car insurance for provisional licence holders is more expensive than for drivers with a full licence. This is because insurers view provisional licence holders as higher risk, as they have less experience on the roads and therefore pose a higher risk of making a claim.
Final Thoughts
While it is possible to get car insurance with a provisional licence, it is important to remember that there may be restrictions and that the cost of the insurance may be more expensive than for drivers with a full licence. It is also important to remember to always have a qualified driver with you when driving on a provisional licence. If you are looking for car insurance with a provisional licence, it is a good idea to shop around and compare quotes from different insurers to get the best deal.
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