Car Insurance for Learner

If you want additional driving practice in a private car owned by yourself, your parents, relatives or friends, then a learner insurance policy is what you need. This policy is designed for learner drivers in mind and therefore it will be held in the learner’s name. This means that if you’re driving your parents’ car and have an accident, your parents will not lose their no claims bonus (NCB) as the claim will be made in your own name under your own policy which is separate from your parents’ policy.

Benefits of this learner insurance policy

• No need for an annual learner car insurance as this is available on a short term basis
• Ability to renew the policy if you need additional insurance cover
• Protect the no claims discount (NCD) of the car owner as claims are made on your policy and not theirs
• Instant coverage as policy can be purchased online
• Ideal for gaining driving practice privately

When learning to drive with a qualified driving instructor, the vehicle which is used is insured for both the learner and the instructor. So if the learner was to reverse into an obstacle, the instructor would be able to claim repairs to his car through his insurance company. However if you were to practice driving in your friend’s car, it would only be insured for your friend and if anything bad were to happen, you (or your friend) would have to find the money for repairs or losses. That is why is it important to get yourself a private car insurance policy which will protect you as a learner against such bad luck.

You should also be reminded that driving a car without adequate insurance is illegal. The car you are driving should be insured and your name needs to be on the policy documents as well as this is proof that you are allowed to drive the car in question.

Appointing a driving instructor to teach you is usually a good move. There are specific skills which are required for you to pass your driving test and learning from someone in that profession is the best option that you have. Some people might be able to drive and have years of driving experience but may lack the skills which driving examiners are looking for during the practical test. Hence, even if it is for a short time, it is recommended to go with an approved driving instructor.

As the fees for learning to drive can be very expensive and it is not always an option to have the maximum amount of driving tuition from the instructor as the costs can have serious financial implications, it is therefore better to practice driving in a car owned by somebody you know and who’s willing to let you drive. Bear in mind that you should always be accompanied by someone who is over 21 and holding a valid UK driving licence for over 3 years though even if you bought the learner driver insurance. You can practice what the instructor taught you and that includes the different manoeuvres like parallel parking, bay parking, reverse parking and turn in the road. You can also drive on different types of roads like dual carriageways, one way traffic and roundabouts to become more familiar with the different things you’re likely to see when driving. However you should avoid motorways as this stage as it can be very dangerous and you should always observe your surroundings carefully for hazards. Hopefully if everything goes well, you wouldn’t need to claim on your learner’s insurance and will pass your test first time round.