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Learner's Permit - Am I still insured driving on my own?

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  • 28-09-2009 5:20pm
    #1
    1059007
    Registered Users Posts: 37 ✭


    Hey, Iv got my learners permit and Im insured 3rd Party. However am I still insured if I drive without a person with a full licence beside me? I no I can be fined by the Gardai for driving without a person with full licence beside me, but lets say I have an accident....does my insurance still cover me, even though Iv broken the law?

    Thanks :)


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    #2
    Alz®
    Closed Accounts Posts: 58 ✭✭Alz®


    You'd be better off asking your insurance company or the Gardai themselves, im really not sure...

    I guess your insurance would be non void if you are required to have a qualified driver at all times


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    #3
    sarsarsar
    Closed Accounts Posts: 38 ✭sarsarsar


    AFAIK you are still insured. Heard this question being asked before when law came in for learner drivers. It was said learner drivers are still covered by insurance, even though they are breaking the law.

    If a fully licenced driver was speeding and breaking the law and crashed they would still be covered. Same for learners breaking the law.


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    #4
    efb
    Closed Accounts Posts: 35,514 ✭✭✭✭efb


    Your insurance would cover the Other Party (if you are liable) but would not have to cover you


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    #5
    taram
    Registered Users Posts: 1,226 ✭✭✭taram


    No, your license isn't valid, so your insurance won't cover you. It'll cover any damage to the other driver though.


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    #6
    Tiriel
    Registered Users Posts: 6,182 ✭✭✭Tiriel


    taram wrote: »
    No, your license isn't valid, so your insurance won't cover you. It'll cover any damage to the other driver though.

    But it's Third Party insurance anyway?

    I know a guy who had an accident when driving on his own on a provisional licence. Nothing was covered.


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    #7
    killwill
    Registered Users Posts: 2,785 ✭✭✭killwill


    taram wrote: »
    No, your license isn't valid, so your insurance won't cover you. It'll cover any damage to the other driver though.

    According to my insurance company, who I asked just for the sake off it as I have a full licence, said it makes no odds, they will still be covered.


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    #8
    afatbollix
    Registered Users Posts: 4,051 ✭✭✭afatbollix


    3rd party only.. and they will have the option to get the costs back through the courts..


    Its the same as lying on the form when you are appying for insurance..


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    #9
    L1011
    Registered Users Posts: 68,499 ✭✭✭✭L1011


    taram wrote: »
    No, your license isn't valid, so your insurance won't cover you. It'll cover any damage to the other driver though.

    ENTIRELY down to your insurance firm whether they cover your losses or not.

    I believe Quinn still provide full cover, unaccompanied or not.


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    #10
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    Your insurance company will have to pay out to the other party and will probably pay out for you as well. The only way to know for sure if to ring your insurance company as they will have full details of your policy.

    I would suggest you get the name of the person you speak to and note the time/date or else ask via email.


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    #11
    efb
    Closed Accounts Posts: 35,514 ✭✭✭✭efb


    I worked for an insurance company that didn't cover unaccompanied provisional drivers (except second prov) for personal damages before the Learner Permit came in, I can't see them covering it now.


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    #12
    Alanstrainor
    Moderators, Motoring & Transport Moderators Posts: 23,157 Mod ✭✭✭✭Alanstrainor


    Sigh, these threads pop up about once or twice a month, and the consensus is always the below.
    Ring your insurer and ask, or read through the policy docs.
    Random wrote: »
    The only way to know for sure if to ring your insurance company as they will have full details of your policy.


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    #13
    1059007
    Registered Users Posts: 37 ✭1059007


    Hum, sarsarsar makes a good point! if your speeding, your breaking the law but your still covered! Ill ring up my insurance and ask them, just to make sure! Just wanna make sure the other party is covered just in case!

    Cheers everyone :)


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