Learner Insurance

Statistics show that learner drivers are more likely to be in a car accident than any other drivers on the road. This makes it essential to ensure that a learner driver is insured in the event of an accident.

There are two types of insurance that the learner driver should have:

– Liability insurance to cover the medical expenses and costs for damages to a third party. A third party is any person who was injured in the accident or whose property was damaged.
– Personal cover to pay for their medical expenses and damages in the event of an accident.

As a learner driver will not be able to own a vehicle, they will not be able to take out regular car insurance. The best option is to be added to a parent or guardian’s existing insurance policy as an additional driver of a specified vehicle.

This is often the cheapest insurance option for learner drivers. However, it is important to inform the insurance provider that the additional driver does not hold a valid driving permit or driver’s licence. This could up the insurance rate for an additional driver slightly.

The second option is to opt for individual learner driver insurance. This is normally a short-term insurance policy that only lasts until the driver receives their permit. The risk for this type of insurance policy is very high so the insurance premium can be very expensive. However, not as expensive as having to cover the costs of an accident out of pocket.

To apply for learner driver insurance, the individual will need to meet with some requirements.

They must be of age and be in possession of a learner driver permit. In other words, the learner driver must have passed the theory portion of a driver’s test or exam, had an eye test and met with all the other requirements to receive a learner’s permit.

They will also need to meet with the traffic laws and other, legal requirements that apply to learner drivers:

– They must be accompanied by a holder of a valid driver’s license or a driving instructor at all times while in control of the vehicle.
– They may not carry or drive with any other or additional passengers in the car.
– They may not drive on the motorway or highway.

If the learner driver contravenes any of these rules and causes an accident, the insurance provider will simply deny any claims whether personal or for third party expenses. Other restrictions may also apply to learner driver insurance:

– The policy may only make provision for one claim on an annual basis.
– The policy holder may need to pay in a residual or deductible before their claim is paid out.
– If an accident was caused due to negligence or the intentional actions of the learner driver, the insurance might exclude the claim.
– If an accident was caused while the driver was drinking or under the influence of any medication, the claim might not be awarded.

Learner drivers and the insurance policy holder need to be aware that limits may apply to the amount that they can claim for under certain circumstances. In general, these limits apply to medical expenses and the costs of repairs to a vehicle or the replacement of a vehicle.

Some insurance providers will also include a death or disability portion that can be claimed by the driver or by a third party. In these cases, the learner driver does not necessarily have to be at fault in causing an accident to claim the benefits.

Be aware that the moment the driver receives their permanent driving license, they will need to upgrade their insurance policy or additional driver status on an existing policy.

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