{"id":101,"date":"2014-01-03T11:14:24","date_gmt":"2014-01-03T11:14:24","guid":{"rendered":"http:\/\/staging.ingenie.com\/young-drivers-guide\/?p=101"},"modified":"2014-01-03T11:14:24","modified_gmt":"2014-01-03T11:14:24","slug":"what-you-should-know-about-learner-driver-insurance","status":"publish","type":"post","link":"https:\/\/www.ingenie.com\/young-drivers-guide\/what-you-should-know-about-learner-driver-insurance","title":{"rendered":"What you should know about learner driver insurance"},"content":{"rendered":"

Just like a fully qualified driver, as a learner you\u2019ll need to be insured before you take to the road.<\/p>\n

Professional lessons<\/strong><\/h2>\n\t

This one is simple - your driving instructor will have insurance that covers you for your professional lessons. You only need to think about provisional insurance when you're practising outside of your lessons.<\/p>\n\n

The DSA (Driving Standards Agency) highly recommends adding to your professional lessons with private practice - at least 22 hours is what you should aim for<\/div>\n\n

Private practice<\/strong><\/h2>\n\n

Practising in a friend\/family member\u2019s car:<\/strong><\/h3>\n\n\n
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  • Look at special provisional driver insurance. These are short-term<\/strong><\/em> policies that generally cost from approximately \u00a33 per day and allow you to drive in any car up to the value of \u00a320,000 (and up to insurance groups 15\/16) without risking the car owners\u2019 own insurance policy. This is the most popular way for learners to get that much-needed private practise.<\/li>\n\t
  • You can also be added as an additional driver<\/strong><\/em> on the car owner\u2019s insurance policy. Do bear in mind however that this can be expensive and if you do have to make a claim you\u2019ll probably affect the owner\u2019s no claims bonus. Simply ask the car owner to contact their insurance company and get a quote for adding a learner driver.<\/li>\n\t\n<\/ul>\n\n\n

    Practising in your own car:<\/span><\/strong><\/h3>\n\n
    \n
    \n\t

    If you have your own car, you'll need to take out an annual<\/strong><\/em> provisional insurance policy. Although this can be initially expensive, you\u2019ll start to build up your no claims bonus right away so long term it can actually save you money. You'll also get to practise in the car you'll be driving once you've passed.<\/p>\n<\/ul>\n\n<\/div>\n

    \n
    Own a car?<\/br><\/strong>Practise with ingenie learner insurance<\/div>\n\n<\/div><\/div>\n\n

    So while you might just see provisional insurance as an extra cost, it's actually essential for getting the private practice you need. And it won't just help you pass your test, but it'll also ensure you clock up some much-needed experience - helping you become a better driver.<\/p>","protected":false},"excerpt":{"rendered":"

    Just like a fully qualified driver, as a learner you\u2019ll need to be insured before you take to the road. Professional lessons This one is simple – your driving instructor will have insurance that covers you for your professional lessons. You only need to think about provisional insurance when you’re practising outside of your lessons. […]<\/p>\n","protected":false},"author":49,"featured_media":2855,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learning-to-drive","learning-to-drive"],"yoast_head":"\n\n\n\n\n\n\n\n\n\n\n\t\n\t\n\t\n\n\n\t\n\t\n\t\n