How to find the right car insurance if you are learning to drive
You're young, just learning to drive and you need insurance but the problem is that since you only hold a provisional licence a lot of insurers won't even offer you a quotation! The fact is that inexperienced drivers have more bumps than those who have been motoring for a while so many insurance companies see learner drivers as representing an unacceptable risk. And it doesn't stop there; after you've finally passed your driving test you may think that the premiums will drop but that usually simply isn't the case; whilst you were learning you always had an older, more experienced driver to accompany you; but with a full licence you are on your own, or carrying unqualified passengers, and until you have put a lot of miles on the clock (and added a few more years to your age!) you are, statistically, at pretty much the same risk of having an accident as a complete beginner. It is not unknown for premiums to actually increase substantially once a learner has passed a driving test so always look at the small print in the policy document.
Whilst you are a learner, insurance will
only cover you as long as you are accompanied and supervised by someone who
holds a full licence; that person is legally responsible for ensuring safe
driving and must be capable of taking full control if necessary. If you were
tempted to drive unaccompanied before passing your driving test don't even think
about it; a conviction for driving without insurance would make it all but
impossible to obtain cover, at any price, as well as six to nine points on your
licence plus a substantial fine. It really isn't worth it.
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