First and foremost: Is it necessary to have auto insurance when taking a driving test? Yes, any vehicle traveling on a public route is required to be insured. You must have a valid insurance policy on the car you drive because part of your driving test will take place on public roads.
If you’re still living at home and taking your driving test in a parent’s car, you’ll be immediately protected under that parent’s insurance policy. This coverage, however, is limited to the actual driving test. After you pass your driving test and acquire your driver’s license, your parent(s) must officially add you to their insurance.
The majority of the time, insurance coverage is sufficient “The car, not the driver, is “followed.” You can, for example, borrow a friend’s car on a rare occasion and be covered by their insurance. Just make sure you have their most recent insurance card on hand in case something goes wrong.
If you frequently borrow another person’s vehicle, you may need to be added as a driver “I am a permissive user.” This means you’ve been included to their policy, but you don’t have the authority to modify it. It is less expensive to be added as a permissive user than to purchase your own plan, but it is only relevant when you borrow a car that is insured under that plan. If you buy a car on your own, you’ll need to insure it under your own name.
Will my car insurance go up when I pass my test?
Many people wonder if their insurance would increase once they pass their driving test, and the answer is almost always yes. Due to the presence of a monitoring passenger at all times, learner driver insurance is frequently reasonable. Insurance companies will tell you that if you pass the exam, you can drive on your own and are thus a considerably bigger risk, which is why your premiums will skyrocket.
Some insurance firms that insure learner drivers will more than treble the coverage price once they are properly qualified after passing the driving test. This can result in a policy costing tens of thousands of dollars every year. However, with a little forethought, you might be able to find a cost-effective alternative.
Do I need to inform my insurance company when I pass my test?
Drive Wiser can help you get on the road the smart way with telematics insurance as a provider of great-value new driver vehicle insurance that focuses on keeping you legal and safe. If you already have learner driver insurance, it will no longer be valid if you pass your test and want to drive on your own. As a result, you must notify your insurer and obtain a new driver policy before driving your new automobile alone.
Furthermore, any car you acquire must have the required vehicle tax before you can drive it or even park it outside your home. Visit our FAQs page for more details.
What happens to my learner insurance when I pass?
After I pass my driving test, what happens next? Your learner driver insurance policy will no longer be valid once you have obtained your full driver’s license. You’ll need to either update or get a new policy. It’s important to remember that driving without legitimate insurance is prohibited, even if you’re just returning from your exam.
Can you drive on provisional insurance after passing your test?
Is it possible for me to drive immediately after passing my driving test? Yes. Your examiner will usually arrange for the delivery of your provisional license photocard to the DVLA, where it will be upgraded to a full driving license. If your new license hasn’t come within three weeks of completing your test, contact the DVLA.
Why is my learner insurance so high?
This is due to the fact that learner drivers are more at danger, as accidents are more likely when learning to drive. The excess, which is the amount you must pay before any insurance claim is paid, can be rather substantial.
Can you drive straight after getting insurance?
Yes, if you pay online with a credit or debit card, we’ll provide you a policy number as soon as your payment is confirmed, allowing you to drive your car immediately.
Can you drive straight after passing your test UK?
- If you want your complete license sent to you automatically, show the examiner your provisional license.
If you do not want your license to be automatically issued, you must apply for it within two years of taking your test.
When you can start driving
When you pass your driving test, you can immediately begin driving. You don’t have to wait for your whole driver’s license to come.
If your full license has not arrived three weeks after you applied for it, contact the DVLA.
Can a new driver drive any car?
DOC (Driving Other Cars) insurance isn’t typically included in a completely comprehensive coverage. You’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy, unless your policy indicates otherwise.
Can I cancel my learner insurance?
Yes, even if you’ve extended your insurance, you have the right to cancel it at any moment.
If there have been no claims or situations that are likely to result in a claim, you will be eligible for a refund of any unused premium.
- If you cancel the policy before the coverage begins, you will receive a full refund of your payment.
- If you cancel your policy after it has begun to cover you, we will recalculate your insurance premium based on the date your policy began to the date it was terminated. The difference between the recalculated insurance premium and the insurance premium you’ve already paid will be refunded to you.
- Because the cost of a short-term policy is proportionally higher than the cost of a longer-term coverage, you may receive a lower refund than anticipated.
Does my insurance cover learner drivers?
Any learner driver taking private driving lessons must have learner driver auto insurance (lessons provided by someone other than a professional driving school or driving instructor). The bare minimum of car insurance coverage is third-party liability.
It is not inexpensive to learn to drive. Learning to drive currently costs around £1000 on average. Because of these expenses, many trainee drivers receive additional free lessons from a friend or, more typically, a family member.
If a learner driver opts for these additional, private lessons, they must ensure that they are insured to drive the vehicle used for the sessions. It’s possible that the car’s owner already has appropriate insurance coverage to cover these lessons. This is rarely the case, and a separate insurance coverage will almost certainly be required.
Some students, as well as their parents, believe that this additional insurance coverage is unnecessary. They believe that any claim involving a trainee driver will be covered by a fully comprehensive automobile insurance policy. This is incorrect.
If you plan to take lessons from a parent or someone other than a professional driving teacher, you must first contact the business that insures them and request that you be added to the policy. You will be breaking the law if you do not. If the police are notified, they will have the authority to seize and destroy the incorrectly insured vehicle. You can even get penalty points on your license before you’ve earned your complete driver’s license.