provisional vs full ?

carlope

hey all, ive provisional licence for more than a year now, but i never had a car or insurance...

so my question is.. ?
if i pass a full licence test will my insurance will be cheaper on a car as insuring it first time or it would be same as provisional.

thanx

Al Capwned

All other things being equal, a full licence holder will would have cheaper insurance than a learner permit holder.

GarIT

It will be cheaper if you have a full licence vs first time insuring with learners permit. But you would not have a no claims bonus so it may be higher.

How do you plan to pass the test without ever driving?

Nasty_Girl

^ they may be learning in an instructors car.

When I got my first insurance I was on my provisional and they told me the premium would be less when/if I got full licence

kirving

Not sure if this is true, but I heard that insurance will sometimes go up when the person passes their full test.

The reasoning behind this being that a driver who qualified yesterday is no safer than someone who will pass thier test tomorrow, but the newly qualified driver is no longer accompanied by a parent or whoever.

I'm on a learner permit, insured as a named driver on a 1.6 Focus for well under €300, can't see it being any cheaper than that tbh.

carlope

well ive been learning with my friends car recently, and i would get few instructor classes before the test...

a bonus with full licence would be that i wouldnt have to have full licence driver beside me the whole time,

would like to be paranoid the whole time while driving around the town with provisional...

i was just wondering, does it matter if you are insuring the car first time with full licence,

i always thought it would be the same as provisional...

GarIT

Kevin Irving wrote: »

Not sure if this is true, but I heard that insurance will sometimes go up when the person passes their full test.

The reasoning behind this being that a driver who qualified yesterday is no safer than someone who will pass thier test tomorrow, but the newly qualified driver is no longer accompanied by a parent or whoever.

I'm on a learner permit, insured as a named driver on a 1.6 Focus for well under €300, can't see it being any cheaper than that tbh.

Seems like decent logic but its not true. €300 :eek: how are you getting that?

carlope wrote: »

well ive been learning with my friends car recently, and i would get few instructor classes before the test...

a bonus with full licence would be that i wouldnt have to have full licence driver beside me the whole time,

would like to be paranoid the whole time while driving around the town with provisional...

i was just wondering, does it matter if you are insuring the car first time with full licence,

i always thought it would be the same as provisional...

I think if you have gotten your provisional in the last year you have to be accompanied for your 1st two years of a full licence. I got my licence on April 1st 2011 and my instructor said if I had of been 4 days later I would have had to go through all sorts.

carlope

ive mine since 6th december 2010, as far as i kno, i could of got my full after 6 months after i passed my provisional

**Timbuk2**

carlope wrote: »

ive mine since 6th december 2010, as far as i kno, i could of got my full after 6 months after i passed my provisional

That 6 month thing simply means that the earliest you can sit your test is 6 months after the date of issue of your learner permit, you still have to apply for, and pass, your actual driving test.

The difference between getting insured first time as a learner permit holder and a full licence holder isn't going to be huge (generally). Some people say that their quotes at renewal go down quite a bit after they pass the test (some people even get some money back on their remaining policy life), and some people (myself included) noticed that it only resulted in a fairly small decrease at renewal time.

What's more important than full licence vs. learner permit is your age and gender in determining insurance premium.

ProudDUB

There is not going to be a mega huge fluctuation in the cost of insurance with a provisional or a full license, as one of the main criteria is your overall driving experience, which is measured in years. So if you have a provisional license for a year, then you pass your test and you get your full license, you will have still only been driving for a year. That is not long in the grand scheme of things.

kirving

GarIT wrote: »

Seems like decent logic but its not true. €300 :eek: how are you getting that?

I've had the provisional for a few years(didn't drive for the first year, and then not a whole lot after I did get insured, so I ended up failing my test recently (by 1 mark:rolleyes:))

Anyway, It's with RSA who were cheapest by a good bit.

greenbicycle

Kevin Irving wrote: »

I've had the provisional for a few years(didn't drive for the first year, and then not a whole lot after I did get insured, so I ended up failing my test recently (by 1 mark:rolleyes:))

Anyway, It's with RSA who were cheapest by a good bit.

I'm the same conditions as you Kevin although the insurance is on a micra, provisional for a few years, no test done yet though. I'm a girl and in lay twenties but as a named driver my insurance was €38 for the year..... Must ask my sister who it's with as I'm on her insurance.....

errlloyd

My insurance from Axa will get 350 euro cheaper per year if I pass my test on Thursday.