Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Learner Driver Insurance

July 31, 2012

Robert asks…

Driving test, go it alone or pay driving instructor fees?!?

Ok, so a little background detail. I’m 19 years old, and I have been with my driving instructor for approx 7 months. I have recently bought myself a car, and I was just planning on not insuring it until I passed. My driving instructor told me of this learner driver insurance, and I mentioned this to a friend of a friend who is in his final stages of being an instructor – just needs practise on his instructing! Anyway, he said that he could take me out, and help me practise in my car.

So I insurered my car, and for the past 14 days he has been taking me out driving and helping me. But the thing is, I have learnt more in 8 hours tuition with my friend then I have in the past 7 months with my instructor. ( I think this is becuase my friend has been taught the easier ways, whereas my actual instructor has learnt years ago).

So I am thinking about putting in for my test WITHOUT my instructor, and getting someone else to take me, as my instructor will be charging me £50 for borrowing her car! I just wanted to get another persons opinions, as I dont know whether this will be a good idea or not. I can do everything driving and manoeuvres way, I just need to practise all the test routes :) I have got those so dont need my instructor for that.

Administrator answers:

As long as your car has working lights and is street legal, with insurance there shouldn’t be an issue testing in your car. If there is a light out you fail and have to pay to retake the test, your instructor will make sure there are no lights out and the car is legal to test in.. If your buddy is training you as your instructor would to the state’s requirements then that is ok too, but if your buddy is teaching you shortcuts on maneuvers or anything that will not be good to do while testing this is bad, the state has certain criteria it must evaluate if you do not do stuff the way the state does, even if legal, you will fail and have to pay to retest.. Retesting fees may end up being more expensive than sticking with your instructor.

Case in point, if I am learning about cornering and the state wants both hands on the wheel and no palming of the wheel and hand over hand steering, but your friend is teaching you one handed turning, palming, and your other hand resting on the gear shift, then you will get pointed and/or possibly fail. Not a great example, I know, but it illustrates a criteria the state will look for during testing, after you test they won’t care how you make the corner as long as you don’t hit anything.

Paul asks…

What will happen if I have a driver’s license, but I am not insured?

I want to get my driver‘s license, but I do not have insurance. I do not plan on ever driving without insurance, I just want to get the license before my learner‘s permit expires. Is it illegal to get the license without being insured, if I don’t ever drive? What will happen? I’m in Pennsylvania, if that makes a difference.

Administrator answers:

Do you have a parent or friend who has a car that is insured? If so use their car… Problem solved. But I can’t help but wonder, if you have a learner’s permit… Whose car are you driving now? Use it to take your test.

Thomas asks…

Do I need insurance with my drivers permit?

If I have my drivers/learners permit, do I need to have insurance for the vehicle that I’m driving? The vehicle is my parents but it’s insured under my uncle’s name (sorry if my question is confusing).

Administrator answers:

I just asked my aunt this question the other day, she is a cop and law student so i get most of my legal advice from her

she told me that so long as the car is insured it doesnt matter whose name is on the proof of insurance.

Carol asks…

UK- what responsibility does a main driver hold whilst present, when a learner crashes?

Facts are:
-my dad is the main driver on his car which is in his name
-he has his girlfriends brother down as a named driver to teach him to drive
-dad has a full UK licence 20+ years
-named driver has provisional held for 3 years.

What happened:
This morning they were out on a lesson and the learner crashed in to the side of another car, damaged front side of my dads car (big dent and scrape) damaged side door and panel of other car (apparently it was hanging off), no ones really hurt but other driver complaining of neck and leg ‘aches’ from the side impact?
Also their front right tire (side that was hit) is completely bald.

What we’re wondering:
-who’s technically responsible? My dad or the learner who was driving his car?
-how will it affect the insurance policy? Will a claim be made on my dad or the learner?

Anything else you might know that could help us understand what’s what, fully?

Also, dads insurance is fully comp.
Thanks!

Administrator answers:

Learner fully responsible.
The accident is down to the learner but the claim will be made on dads insurance and unless he has a protected No Claims Bonus his insurance premiums will at least treble in cost.
The bald tyre has no effect unless the Police were called and spotted it for which they will be prosecuted as a seperate matter

David asks…

learner driver help!!!?

i am a learner driver trying to learn and practises in my own car. but the insurance is very high please how can i get a cheaper insurances. thank you

Administrator answers:

If you think it is high now then you are in for a real shock when you have passed as learner insurance is far cheaper then after you have passed the test – and yes you have to tell your insurer when you have passed, the same day, as if you do not your insurance is invalid.
Forget the car for now and get some real lessons – without proper lessons you do not stand a chance of passing.

James asks…

Mom is going to help me learn to.drive i have some questions?

If I get the learner driver insurance do I just print off the confirmation? Or does something come through.

Once I get the L plates and the documents can I start practicing with my.mom.

What is the average time to.practice each day?

Administrator answers:

Some insurers do the “Certificate of Insurance ” by email and some only do it by post – we don’t know what yours does.
Provisional licence, L platres and insurance and away you go.

The only average statisistic for this is 47 hours REAL lessons with an instructor and 20 hours private practice is what people who pass the test actually do.

The practice is to practice what is learned on the lessons which are essential for someone to pass. Without proper lessons you have not got a chance of passing though you could do it without the practice.

Steven asks…

Roughly, how much is the insurance on a Peugeot 106?

Im a girl,
Provisonal Lincense Holder (learner driver)
18 years old,
looking for no more than a 1.5 engine.

Also how much to they cost to tax.
Thanks in advance for everyones help, it is much appriceated x.x.x.x.x

Administrator answers:

My first car was a 1997 peugeot 106 1.1 xn when i was 18 (im male) and my insurance was about £1350, third party.

So would imagine it would be around that for you, maybe a little cheaper as your female. Whether you have a full lincense or provisional, in the first year it doesnt affect the price of your policy surprisingly (at least didnt with me).

As for tax would be in lowest bracket (exept for blueline eco-cars etc)
should be £125 per year. Goes up to £185 for 1.6 gti model.

Bit of additional info, main 106 models come in 1.1, 1.4 quiksilver, 1.5 deisel, 1.6 xsi and gti,
check with mutliple companies, bell.co.uk, admiral and quinn direct are all some of the cheapest ive found, try some free online quotes!

Daniel asks…

Why should the average family carry umbrella insurance?

Does anyone out there know anyone that actually NEEDED to cash in on their umbrella policy? What were the circumstances of the incident?

I’m wondering if our family should carry it because we have a teenager getting a driver‘s learner‘s permit…

Please, only serious, informative replies.

Administrator answers:

I would give it serious consideration.

Umbrella liability coverage is coverage that kicks in over your underlying liability protection on your homeowners policy and your auto insurance policy. Also, the umbrella policy usually fills any gaps in coverage provided by those policies. That means it would drop down to provide coverage above your deductible.

Why would you want umbrella liability coverage? Exposures to loss include:

1) Ownership, possession or use of property – If someone is injured on your property.
2) Ownership possession or use of an automobile – If someone is injured as a result of you or your family driving a vehicle.
3) Involvement in sports.
4) Action of pets.

Personal liability results from any acts or omissions that results in suits against an individual and/or residents of an insured’s household for actual or imagined bodily injury and/or property damage to a third party.

Yes, it is a good idea to have an umbrella liability policy if you have a teenage driver in the family. The policies are very affordable and provide additional coverage in case a terrible accident involving anyone in your family causes a law suit for liability damages that exceed your current liability protection provided by your auto policy or homeowners policy.

Kids have auto accidents. Kids also may have parties when you aren’t home and then the people who came to the party drive home and may get in an accident and file suit against your homeowners policy.

I would recommend it for the protection of your family’s financial future at affordable rates – Yes.

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