It is an exciting time for any young person when they can finally learn to drive; however, it also involves finding out about insurance which is no mean feat. In this article, we take a look at all you need to know about insuring a learner driver.
It’s a minefield out there
The world of motor trade insurance is a vast one; from huge corporate giants to specialists we have never heard of, there’s a huge range to choose from with similarly varying degrees of pricing.
Let’s start at the beginning
Motor trade insurance is all part of the package when you, your son or daughter starts driving lessons. However, if lessons are going to take place in a relative or friend’s car – research from the RAC suggests the average learner needs a further 20 hours of practice on top of their lessons – then insurance must not be overlooked.
Do your homework
In the past, a parent would add their son or daughter to their existing policy; however, this is not only costly it is not provided by some insurers. Our advice is to arm yourself with Motor trade insurance information as follows :
Insurance for a learner driver sits alongside an existing policy offering comprehensive coverage; importantly this means that if anything untoward happens while the learner is behind the wheel, the main policy is not affected. Such cover can be purchased for varying time spans, by the day, week, month or even by the hour.
Compare the market
The best start is to get a number of quotes from several providers. Be aware however that some quotes don’t lend themselves to price comparison sites.
It is worth knowing that once a theory test is passed a driving test can be booked. Anyone can take the theory test from their 17th birthday and onwards and this is a useful piece of information as it allows a parent, for example, to work out just how much insurance is needed before the test date.
The small print
Remember, many policies today are extremely flexible, covering a variety of days. It’s worth finding out if you will be paying for the days the learner isn’t driving or if they need to be accompanied at all times.