A simples guide

Do I need car insurance to drive on a provisional licence?

You’ve just received your provisional licence and you’re ready for the freedom that driving can give you. But what do you need to do before you can hit the road?

Your provisional licence gives you the right to drive a vehicle provided you’re accompanied by someone over 21 who has had a full licence for at least three years. What a provisional licence doesn’t do, is insure you to drive.

Before you get behind the steering wheel you’ll need to be sure that you have valid insurance in place.

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So how do I get insured?

Whether you need to arrange your insurance, depends on how you’re learning to drive.

1) Learning through an approved driving school or instructor

If you’re learning to drive with an approved driving school or instructor, they will have arranged the insurance for you. In this case, you don’t need to worry about arranging anything until you pass your test.

2) Learning to drive with another driver in their car

The owner of the car you are learning to drive in could arrange for ‘learner driver insurance’ to be added to their policy for you. There are a number of insurers who can arrange such cover. Who pays for the extra premium is up to the two of you. You do need to be aware that it’s illegal to pay anyone other than an approved instructor for your driving lessons.

3) Learning to drive with another driver in your own car

Arrange your own cover. If you take out cover while you’re driving with a provisional licence you’ll start to build your own no claims discount. No claims discount is an important way of lowering your premiums going forward, so in some ways, the sooner you start the better.

Be aware though...

If you pass your test in the middle of the insurance year, you may have to pay an additional premium as the risk to your insurer has changed. This is because as a provisional licence holder you are a significantly lower risk than a newly qualified driver as you were always driving under supervision. Once you pass your test you are on your own but you are still learning.

Remember, you’re going to have to arrange the cover anyway when you pass, so it’s simply a case of timing!

For more information about how to save money as a new driver, why not have a look here. Or start a quote today and find out how much your cover could be.

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