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Provisional license and insurance

  • 12-07-2012 5:16pm
    #1
    barleybooley
    Registered Users, Registered Users 2 Posts: 1,241 ✭✭✭


    A girl I work with is on her third provisional and has a third party insurance plan and wants to know the situation in the event of an accident and not having a fully licensed driver with her i.e. would she be able to make a claim. Anyone able to help?


Comments

  • #2
    Chris_Heilong
    Registered Users, Registered Users 2 Posts: 4,974 ✭✭✭Chris_Heilong


    in my experience it would not effect her if she needed to claim.


  • #3
    DylanII
    Closed Accounts Posts: 1,102 ✭✭✭DylanII


    Yes insurance companies dont care about provisional licences. The garda might have her charged but thats unlikely too.


  • #4
    aujopimur
    Registered Users, Registered Users 2 Posts: 3,953 ✭✭✭aujopimur


    As it's third party ,what type of claim does she antisipate making.


  • #5
    DylanII
    Closed Accounts Posts: 1,102 ✭✭✭DylanII


    aujopimur wrote: »
    As it's third party ,what type of claim does she antisipate making.

    I didnt notice that.

    Are you talking about making a claim against another person. If so then her licence/insurance will have nothing to do with it


  • #6
    Faith+1
    Registered Users, Registered Users 2 Posts: 3,674 ✭✭✭Faith+1


    DylanII wrote: »
    Yes insurance companies dont care about provisional licences. The garda might have her charged but thats unlikely too.

    It really is typical of this country.:mad:


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  • #7
    barleybooley
    Registered Users, Registered Users 2 Posts: 1,241 ✭✭✭barleybooley


    aujopimur wrote: »
    As it's third party ,what type of claim does she antisipate making.
    DylanII wrote: »
    I didnt notice that.

    Are you talking about making a claim against another person. If so then her licence/insurance will have nothing to do with it

    She was worried that if she was in an accident and it was her fault, could the other driver make a claim against her and would the insurance company pay out? I'm gathering they would?


  • #8
    seamus
    Registered Users, Registered Users 2 Posts: 68,317 ✭✭✭✭seamus


    barleybooley wrote: »
    She was worried that if she was in an accident and it was her fault, could the other driver make a claim against her and would the insurance company pay out? I'm gathering they would?
    Yes, her insurance company will pay out because they are legally required to do so.

    They would have a legal entitlement to chase her in court to then pay those costs to the insurance company. Which they're unlikely to do because it's expensive.

    They would also be within their remit to cancel her insurance policy, which will affect her ability to get a quote from any other insurer (crash + cancelled policy == super-high risk). I don't know if insurance companies do this.


  • #9
    Chris_Heilong
    Registered Users, Registered Users 2 Posts: 4,974 ✭✭✭Chris_Heilong


    this is the reason why L drivers have higher premiums than those with full licences, the insurance companies are aware of the risks, thats their job.


  • #10
    aujopimur
    Registered Users, Registered Users 2 Posts: 3,953 ✭✭✭aujopimur


    Chris_Heilong wrote: »
    this is the reason why L drivers have higher premiums than those with full licences, the insurance companies are aware of the risks, thats their job.
    Funnily enough, UK insurers see this differently, learners premia are lower than those of qualiied drivers.


  • #11
    DylanII
    Closed Accounts Posts: 1,102 ✭✭✭DylanII


    aujopimur wrote: »
    Chris_Heilong wrote: »
    this is the reason why L drivers have higher premiums than those with full licences, the insurance companies are aware of the risks, thats their job.
    Funnily enough, UK insurers see this differently, learners premia are lower than those of qualiied drivers.

    That's probably because in the UK if you are caught driving unaccompanied then you will be punished. So learner drivers won't be out driving as much. When they are they drive slowly and carefully with a responsible adult. They won't be driving around at 3am on back roads doing 90km or out on the motorways


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