Can you insure a car on a provisional license?

Now that you’ve got your provisional licence you might be itching to get in the driver’s seat and start your driving lessons. However, on top of professional tuition, the DVSA (Driving Vehicle and Standards Agency) recommends that you take some time to practice privately. To do this, you’ll need to be insured.

How to choose your ideal level of cover

Car insurance is authorised and regulated by the Financial Conduct Authority (FCA) and based on risk. For an inexperienced driver, there is always a higher risk of accidents than for those with years of driving under their belts. Although it may seem unfair, this explains why insurance companies will charge a lot more for newer drivers.

The cost of your cover will also depend on your choice of car. Understandably, a brand new sports car will need a lot more cover than an older model with a small engine and no modifications.

There are three levels of cover that you need to be aware of. All of these will offer additional, optional extras such as breakdown cover and legal protection but to this we say: always read the small print!

Third-party cover

This will cover you from damage to other cars and injury to other people if you are involved in an accident.

Third-party fire and theft cover

This covers you for all of the above as well as damage to your car in the event of a fire or if it is stolen.

Comprehensive cover

A fully comprehensive policy covers you for both of the above as well as damage to your own car following an accident or vandalism.

The cover that you choose will depend on your budget and what you feel comfortable with. We’re always happy to provide prospective customers with advice on how to choose the correct insurance policy whether in the short term or not.

Why not add a named driver to your policy?

You may be a car owner, but if you’re still learning how to drive, you’ll need to include someone on your policy who is over 21 and has over three years of driving experience. This experienced driver will need to be in the car with you at all times, and by adding them to your policy, you’ll also benefit from cheaper insurance.

You’ll also be able to start building up your no-claims bonus, something that will make the cost of future insurance policies a lot cheaper.

You could always learn in someone else’s car

Alternatively, you can practice your driving in someone else’s car. To do this, that person will need to add you as a named driver on their insurance policy. You’ll have to ask their permission first, of course.

Be aware that if you’re using the car more than its owner, you will need to be named as the main driver rather than a named driver on the policy. Being dishonest about this is fraud and can lead to prosecution.

A few ways to cut the costs of your insurance policy

You’re still learning to drive, so it’s unlikely that you’ll be travelling across the country in your car. Limiting your mileage as much as possible means that you can reduce the cost of your insurance, as long as you let your chosen provider know how many miles you’ll be driving, on average.

Keeping your car in a secure place overnight or installing safety devices such as an immobiliser or a wheel lock can also help to cut costs at it reduces the likelihood of your car being stolen and you making a claim.

Of course, being sensible behind the wheel is vital for all drivers, but insurance companies tend to reward those who have no motoring convictions by offering them cheaper insurance than those who have been in trouble in the past. Being a good driver will not only be beneficial to you but to everyone else on the road.

Installing a black box can help you maintain control of your vehicle. This technology monitors your driving style including acceleration and speed and gives you pointers of where you can improve and, therefore, reduce costs. Black boxes aren’t only for provisional drivers; anyone can have one installed if they’re looking to make their insurance a little cheaper.

Whether you’re a car owner or not, if you’re seeking learner drivers insurance we recommend you use Call Wiser to search car insurance quotes and find the best deal for you. In the meantime, good luck with your driving test!

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