Points to Remember With Learner Driver Car Insurance
Learner drivers, especially those under 25, find that insurance in the UK is incredibly exorbitant and, as a result, may attempt to go out on the road without their car being insured.
This will result in a host of potential problems for them when they are caught by the police.
And, being caught is a reality.
The police are rolling out their number-plate recognition technology and working closely with insurance companies.
This means that they can sit comfortably from their car, scan your number plate as you drive past, and know whether you are insured or not.
Furthermore, instead of just charging a heavy fine, the police may be able to impound your car and send it to the crushers at their discretion if you can't produce a valid insurance certificate within 14 days.
All this means that you simply must get insurance whether you like it or not.
It's estimated that out of the 34 million cars on the UK roads one in 20 are not insured.
This costs the UK about £500 million a year, and increases insurance premiums by £20 to £30 a year for consumers.
In other words, by not driving with insurance you are making the situation worse.
There are a number of ways in which a learner driver can attain learner driver car insurance.
While many insurance companies might not want to provide any type of insurance to learner drivers, due to the high risk of these drivers, some insurance companies will be happy to work through certified driving courses instead.
What this means is that, for an extra fee, a driving course will offer you insurance while you are doing the course with them.
This is a great idea and guarantees that you're legal.
A driving course can also get you lower premiums in the future as well.
There are also various budget Third Party insurance schemes that are made available by many insurance companies.
These would cover the bare minimum of what the law requires.
But remember, Third Party insurance only covers third parties in an accident - in other words, if you crash your car you pay for your car.
Unless, of course, the accident wasn't your fault (which you would need to prove).
For this reason don't drive on the road as a learner driver alone.
The police won't be very happy with you, and if you are involved in any type of accident - even if it's not your fault - the other driver's insurance will still coming knocking at your door to pay.
This is because you would be illegal on the road.
You need to always be accompanied by a fully qualified driver who is over 21 and has had their license for a minimum of three years.
Secondly, don't go driving on the motorways.
This is also illegal and, as above, any accident would be on your account regardless of who is at fault.
The same would occur if you don't drive with your L-Plates (or D-Plates in Wales) made clearly visible on both the rear and front of the car.
Or, even if you do, if they're not certified L-Plates (in other words, you made them at home) then they won't count.
Lastly, if you have some sort of illness such as diabetes or epilepsy - and don't report this to your insurance company - you will be held liable in any accident.
This will result in a host of potential problems for them when they are caught by the police.
And, being caught is a reality.
The police are rolling out their number-plate recognition technology and working closely with insurance companies.
This means that they can sit comfortably from their car, scan your number plate as you drive past, and know whether you are insured or not.
Furthermore, instead of just charging a heavy fine, the police may be able to impound your car and send it to the crushers at their discretion if you can't produce a valid insurance certificate within 14 days.
All this means that you simply must get insurance whether you like it or not.
It's estimated that out of the 34 million cars on the UK roads one in 20 are not insured.
This costs the UK about £500 million a year, and increases insurance premiums by £20 to £30 a year for consumers.
In other words, by not driving with insurance you are making the situation worse.
There are a number of ways in which a learner driver can attain learner driver car insurance.
While many insurance companies might not want to provide any type of insurance to learner drivers, due to the high risk of these drivers, some insurance companies will be happy to work through certified driving courses instead.
What this means is that, for an extra fee, a driving course will offer you insurance while you are doing the course with them.
This is a great idea and guarantees that you're legal.
A driving course can also get you lower premiums in the future as well.
There are also various budget Third Party insurance schemes that are made available by many insurance companies.
These would cover the bare minimum of what the law requires.
But remember, Third Party insurance only covers third parties in an accident - in other words, if you crash your car you pay for your car.
Unless, of course, the accident wasn't your fault (which you would need to prove).
For this reason don't drive on the road as a learner driver alone.
The police won't be very happy with you, and if you are involved in any type of accident - even if it's not your fault - the other driver's insurance will still coming knocking at your door to pay.
This is because you would be illegal on the road.
You need to always be accompanied by a fully qualified driver who is over 21 and has had their license for a minimum of three years.
Secondly, don't go driving on the motorways.
This is also illegal and, as above, any accident would be on your account regardless of who is at fault.
The same would occur if you don't drive with your L-Plates (or D-Plates in Wales) made clearly visible on both the rear and front of the car.
Or, even if you do, if they're not certified L-Plates (in other words, you made them at home) then they won't count.
Lastly, if you have some sort of illness such as diabetes or epilepsy - and don't report this to your insurance company - you will be held liable in any accident.
Source...