Learner Driver driving solo - uninsured

sitstill

I have a Learner Permit and am hoping to do my test in January having taken my lessons etc already. I have my own car and insurance with RSA.

If I were to drive the car on my own and have an accident, would I basically be uninsured?

Witcher

Companies differ but if you're involved in a crash with third party, the company will cover their costs but will pursue you through the courts for repayment because you were alone. Think that's how most of them work now.

thesimpsons

My own insurance (think its Axa) in particular state you wouldn't be insured in this instance. Why don't you ring up and get a cancellation test date before Christmas ? you can often get one within a day or two and then (assuming you pass) you'd be safely insured for driving over the Christmas period. Not alone might your insurance not cover you in event of accident, think you could also get points/fine for driving unaccompanied. Its illegal, don't do it.

MeganB

Could you please tell me how much you are paying for your insurance? Im on the search to find different costs.

kirving

Best thing you can do Megan is to ring around as many different insurers as you can and see what they say.

As for the uninsured thing, I was insured as a named driver on my mothers policy. They told her that although they wouldn't recommend taking the car alone since you can be fined/get points, I would still be insured. In 99% of accidents where someone is at fault, they have committed an offence such as driving without due care and attention, or even drunk driving.

Insurance companies pay out every single day for accidents where the policy holder is at fault, and have therefore committed a motoring offence, why? I'm not condoning it, but I don't see how you would be uninsured.

BuffyBot

As with any insurance, the devil is in the detail.

While the third party will most certainly be covered, your liability etc may not. Also, good luck getting insurance after an accident in those kinds of situations..

miss no stars

Kevin Irving wrote: »

Best thing you can do Megan is to ring around as many different insurers as you can and see what they say.

As for the uninsured thing, I was insured as a named driver on my mothers policy. They told her that although they wouldn't recommend taking the car alone since you can be fined/get points, I would still be insured. In 99% of accidents where someone is at fault, they have committed an offence such as driving without due care and attention, or even drunk driving.

Insurance companies pay out every single day for accidents where the policy holder is at fault, and have therefore committed a motoring offence, why? I'm not condoning it, but I don't see how you would be uninsured.

Depends on whether or not the insurance is comprehensive. Yeah, some will pay out, but others make it clear that they won't. A learner has NO license. They cannot get insurance without an accompanying driver. You are driving without a license. It's one of those things that can instantly null and void the insurance. Epileptic? Have had seizures within the last couple of years? Don't tell the insurer? Have a seizure and cause a crash? You reckon they'll pay your medical and repair bills? Not a hope, they just wouldn't have insured you in the first place. You broke the principle of good faith. An insurance company also wouldn't insure someone without a license to drive on their own. You are required by law to drive within the conditions of your license/permit.

Don't ever, ever count on being insured if you're breaking the conditions of your permit.