How to get cheap Learner Drivers Car Insurance?
Learning to drive is no small feat. It can be either daunting and scary, or you can breeze through it as if it’s second nature to you. Do not worry if learning to drive is more worrisome than exciting; almost everybody goes through a mix of emotions when going through their first learning phases.
Finding the right instructor is a crucial part of learning to drive; if you feel as if you don’t work well with your current instructor then waste no time in locating a new one. Being able to be confident in your instructor is an essential part of ensuring your safety in the vehicle.
While having an instructor that suits you well is an essential part of learning to drive, it is said that you should have around 20 hours out-of-lesson driving with guidance.
What does Learner Driver Insurance Cover?
Learner Driver Insurance is an insurance policy that is aimed towards young people who have their own car that they would like to insure and learn to drive in and outside of lessons. This policy takes on all the risks that are attached to somebody who has not passed their test yet. If you are driving on the roads there must be a correct level of insurance on said vehicle. Each insurance company has policies that provide different levels of insurance. Its up to the learner to research and find out which insurance will suit their needs the most.
Here are a few things that an insurance company may provide in a Learner Driver insurance policy:
- Choice of Cover – Some insurers offer all 3 main types of insurance policy (Third Party Only, Third Party, Fire and Theft and Comprehensive) on young learners’ insurance, meaning that the learner can make a considered decision on which bracket of insurance would be beneficial for them to take out.
- Differences between covers – Third Party Only is the legal minimum cover that is required to drive on the road, and this insurance policy will only cover any damage to other people’s vehicles if the fault is on you. Third Party, Fire and Theft is the same as Third Party, Only with the added insurance to cover any damages to your own vehicle through fire or attempted theft, and also provides cover should your vehicle ever be stolen. Comprehensive is the same as Third Party, Fire and Theft but with the added benefit that it covers your vehicle from any accidental damage.
- Black Box – Some schemes come with a Black Box that is fitted into your vehicle, which monitors your speed, breaking, acceleration and a few other things. From this information, an insurance provider can make a well-informed evaluation of your driving. As a learner driver this is valuable information that your insurance provider will relay back to you so you can seek to improve and amend any issues while you continue to learn.
- Prices after practical test – After you pass your test your insurance might not increase with some providers, (though you do need to inform the insurance company that you have passed). This means that you have a step ahead in lowering your premiums with an on-going Black Box scheme, instead of having two separate policies; one while you learn, and one after you’ve passed your test. With some insurers, this is dependent on how safely you drive, and if you have not improved in your driving ability, your premiums may increase due to being considered an unsafe driver. Other policies may have fines or penalties for breaking rules and driving badly.
- Breakdown Cover – Depending on your provider you may be covered with breakdown cover. This means that if your car were to ever breakdown you are able to call out for repairs (be it by the side of the road or on the drive).
Where can you get a Learner Drivers Insurance?
Most insurance providers may have their own version of a Learner drivers’ insurance policy, and some of these are almost identical to other pre-existing policies such as Young Drivers Black Box Insurance which provides cheap car insurance for young drivers. It is important that the learner does their own research into what is covered with each provider and what contraints are in place on each policy. This means that as a learner you are better positioned to make an informed decision on what will make your learning experience easier and what could potentially benefit you in the long run, both financially and in terms of your driving ability.