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Your Questions About Learner Driver Insurance

March 6, 2013

Lizzie asks…

How much aproxomatly would it be to insure a pegueot 206 as a learner driver for one month?

If you have an idea just give me a number no need to go into detail just a rough idea will do
As a learner driver it doesnt matter wether it’s third party bla bla or whatever i would just like an aproxomate price for example “anywhere from 10-100pound”

Administrator answers:

From about £30 a week. There are a few specialist insurers like young marmalade who will sell you an additional policy on a week by week basis just for you to learn with. The car would have to be insured for someone else, usually mum or dad for this kind of policy to work for you. I recommend you ask the owners insurance company if they have someone they use.

@ Alan. The poster is asking a perfectly valid question. You obviously don’t have any knowledge in this area so why the name calling and such a nasty pointless answer?

Sandra asks…

Can I purchase Driving Instructors Insurance without a Trainee or Full Instructors License?

I am almost ready to start my Driving Instructors business and wish to purchase Instructors Insurance in order to “teach” already experienced drivers in order to practice for my exams.
I need to know whether I can obtain Instructors Insurance without any of the licenses?

Administrator answers:

I don’t see why not but please be careful that you don’t charge for any lessons you give. The law does not distinguish between learners and full license holders when it comes to needing an instructors license. Basically if you give driving instruction for gain then you must be an ADI.

Richard asks…

Is it required to get driver education from a place or can my parents teach me?

I am a 19 years old boy from NY, and currently about to learn to drive. Can my parents teach me while I have a learner‘s permit, to get my license? How long do they need to teach me for, before I can get a license and do they have to follow like guidlines and stuff from like the DMV, etc?

Also, I live at home, my parents bought me my car. Can they put me on their insurance policy? Also, does this mean I don’t need to sign or have to pay or worry about any thing for insurance?

I live in NEW YORK.

Please let me know. Thanks.

Administrator answers:

YOUR PARENTS CAN TEACH YOU BUT YOU WILL LOOSE OUT ON MANY THINGS THAT ARE TAUGHT IN DRIVERS ED.

YOU WILL ALSO LOOSE OUT ON INSURANCE DISCOUNTS AS WELL.

BUT, WHY DON’T YOU JUST CALL YOUR LOCAL DMV OFFICE, THEY WILL BE ABLE TO ANSWER ANY AND ALL OF YOUR QUESTIONS AND AT THE SAME TIME YOU WILL BE GETTING THE CORRECT ANSWER TO YOUR QUESTION.

George asks…

Is it required to get driver education from a place or can my parents teach me?

I am 19 year old boy, from NY, and currently about to learn to drive. Can my parents teach me while I have a learner‘s permit, to get my license? How long do they need to teach me for, before I can get a license and do they have to follow like guidlines and stuff from like the DMV, etc?

Also, I live at home, my parents bought me my car. Can they put me on their insurance policy? Also, does this mean I don’t need to sign or have to pay or worry about any thing for insurance?

I live in NEW YORK.

Please let me know. Thanks.

Administrator answers:

Your best bet is to get driver ed outside of the home. Your Mom and Dad are loving, caring, and terrified you’ll ruin their car.

Yes, they can put you on their insurance–it’ll be a bit pricey til you hit 25, however; statistics are against males younger than that for accidents. I assume that you’re going to college at least part-time–do your very best to maintain a B average, as virtually all insurers have some king of ‘good student’ discount.

Good luck, and safe driving to you.

Donald asks…

May I drive the Hire Car Alone to the Practical Test?

I am a US license holder taking a practical test within 12 months of arrival in the UK with a hire car. The rental agency tells me I need to hire a dual controls car and bring a UK licensed driver along. I thought that despite my holding only a provisional UK license I am exempt from ordinary learner driver restrictions since I am within the 12-month window.

Administrator answers:

The best thing to do here is speak to the rental company and ask them ‘why’ – it might simply be an insurance requirement and have nothing to do with the UK law on provisional licence holders. The real question is “am I allowed to drive home alone if I fail the test?!” To get a definitive answer on that, speak to the DVLA or DSA. Please don’t rely on answers you get in here!

Sandy asks…

who is resonsible for an adult with a permit in an accident?

Some who is the age of 18 or older and has a drivers learners permit and gets in an accident. Who is responsible the adult with the learners permit or the adult licenses passenger?

Administrator answers:

The person with the driver’s license is responsible. The age of the permitted trainee is not at issue. As far as suits go however, both the driver and the licensed individual can be sued. If a trainee under 18 were to get in an accident and it was not a compensated instructor nor his legal guardian with him/her in the car the legal guardian could still be sued.

The licensed passenger could sue the trainee driver also. I was driving on a highway once, a drunk driver came over the center line and hit me head on. I had two passengers. One fractured his kneecap (very minor injury). This passenger sued the other guy who’s insurance paid. He also sued me. My insurance fought and won but, he still had the right to sue.

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