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Accompanied Driver Insurance

  • 03-08-2010 9:41pm
    #1
    twentysomething
    Registered Users, Registered Users 2 Posts: 135 ✭✭


    Hi,
    Im on a learner permit and I'm just wondering if i'm insured on a car, does my accompanying driver have to be insured on the same car, or are there any other requirements for them insurance wise?


Comments

  • #2
    **Timbuk2**
    Moderators, Education Moderators, Motoring & Transport Moderators Posts: 7,396 Mod ✭✭✭✭**Timbuk2**


    Legally, not that I am aware of.

    However, accompanied drivers are there to give support and guidance, but they are there also to take over the driving if the learner gets overwhelmed, is approaching a motorway, etc. - it might not be practical to have an accompanied driver who isn't insured to drive your car.


  • #3
    johnmcdnl
    Registered Users, Registered Users 2 Posts: 3,739 ✭✭✭johnmcdnl


    just on this point - am I insured at all if I don't have an accompanying driver with me??


  • #4
    Midnight_EG
    Registered Users, Registered Users 2 Posts: 9,755 ✭✭✭Midnight_EG


    Your insurance company will still give you thirdy party in the case of an accident.


  • #5
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    Midnight_EG wrote: »
    Your insurance company will still give you thirdy party in the case of an accident.

    Generally this is correct. But read your policy as not all of them are created equal.


  • #6
    **Timbuk2**
    Moderators, Education Moderators, Motoring & Transport Moderators Posts: 7,396 Mod ✭✭✭✭**Timbuk2**


    johnmcdnl wrote: »
    just on this point - am I insured at all if I don't have an accompanying driver with me??

    It depends on the company. I know with Aviva, and their Accompanied Driving Cover Policy (where you get 6 months cover free with 10 lessons) if you drive without an accompanied driver you are not insured - they sent a very clear letter to highlight this point.


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  • #7
    elbee
    Closed Accounts Posts: 240 ✭✭elbee


    AFAIK, if you're accompanying driver has their own policy on their own car (I know not all fully licenced drivers have their own cars, but a lot do) then their policy probably covers them to drive any car. Make sure to check this though, just in case!


  • #8
    hardybuck
    Registered Users, Registered Users 2 Posts: 5,174 ✭✭✭hardybuck


    Folks,

    Just to clarify on this whole accompanied driver business - can the learner driver have accompanied cover on their own car, or must they be learning to drive in the full license holders car, e.g their parent?

    I know this is probably quite straightforward but just checking!


  • #9
    ADIDriving
    Registered Users, Registered Users 2 Posts: 834 ✭✭✭ADIDriving


    hardybuck wrote: »
    Folks,

    Just to clarify on this whole accompanied driver business - can the learner driver have accompanied cover on their own car, or must they be learning to drive in the full license holders car, e.g their parent?

    I know this is probably quite straightforward but just checking!

    They CAN drive their own car, with their own insurance, with the fully licenced driver.


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