Guide To Provisonal Car Insurance
What Is Provisional Car Insurance?
To drive on public roads, learner drivers must have a provisional driving licence and the car they drive must be properly taxed and insured.
When learning with a qualified driving instructor the driving school should make sure that the appropriate insurance cover is in place. But if extra practice with a relative or friend is required, then short term, provisional car insurance is available. This type of policy enables learner drivers to practice in a family or friend’s vehicle without affecting the vehicle owner’s insurance or, importantly, their no claims bonus.
This type of insurance can be bought to cover drivers in a vehicle they own, or to cover their driving whilst using someone else's vehicle.
According to the Driving Standards Agency (DSA) the average learner driver needs 45 hours of driving lessons with a professional instructor and a further 20 hours of private practice. Private practice can be invaluable to learner drivers and can make the cost of learning more affordable as lessons with a qualified driving instructor can be combined with learning at home.
Taking out a provisional car insurance policy means that a learner driver can practice as often as they wish without incurring the cost of a professional lesson. It enables them to learn with someone that they know and feel at ease with, safe in the knowledge that if a bump or accident should occur, the vehicle owner’s motor insurance will not be affected.
There are a number of these types of policy available and most will allow the learner to practice with any driver who has held a full driving licence for a minimum of three years and is over 25 years old.
Who Can Buy It?
Car insurance for drivers with a provisional licence can be bought by learner drivers aged 17 years and over.
Provisional Car Insurance At Tiger.co.uk
Tiger.co.uk features motor insurance for learner drivers from two trusted and expert providers, Collingwood and Provisional Marmalade.
Collingwood Insurance Services offer a twelve month policy through Tiger.co.uk. The cover includes many features and benefits such as free legal expense cover and a free courtesy car. Obtaining a quote for this product can be arranged by going through the standard quote process online and stating that you hold a provisional licence in the “licence type” drop down box.
Provisional Marmalade offers a short term comprehensive insurance policy that can cover a learner when learning to drive in a friend or family member’s car. Cover is available for a period of 1, 2 or 3 months and can be found on the short term insurance area of the Tiger.co.uk site.