Will insurence company cover L driver without a fully licence driver, if they crash?

job seeker

Hi all.

Has it been enforced within the last few months, that insurance companys won't cover learner driver if they crash without a fully licenced driver? I know it was all ways the case.. But I thought I remember talk of a clamp down on this matter?

I just can't find anything online either..

Thanks..

Lurching

Insurance companies will try their best not to pay a claim.
If there is a law which you have broken resulting in an accident, why should an insurance company pay out?

I'd say they'd turn their backs on you fairly lively.

Supergurrier

Yes.

If they give you a policy they are obliged to cover you and anyonw you hit if you have been truthful about the learner permit.

Unless you are from Sligo, just cowboys up there

job seeker

Supergurrier wrote: »

Yes.

If they give you a policy they are obliged to cover you and anyonw you hit if you have been truthful about the learner permit.

Unless you are from Sligo, just cowboys up there

Not exactly sure what you mean, has there been a situation of this happening in Sligo?

slimjimmc

job seeker wrote: »

Hi all.

Has it been enforced within the last few months, that insurance companys won't cover learner driver if they crash without a fully licenced driver? I know it was all ways the case.. But I thought I remember talk of a clamp down on this matter?

I just can't find anything online either..

Thanks..

AXA have it written into their policies for quite a while, I expect other insurers have similar clauses. It seems you will not be covered by insurance in the sense that they will pay out as if you were accompanied, however the insurer will pay any 3rd party claims as they are required to do so by law and they can then sue you for whatever they paid out. I doubt they'd put in such a clause and then not put into practice.

13 Driving Licence Conditions.
No cover will apply under this policy for any driver who is not meeting the conditions of his/her licence/Learner permit. This includes conditions relating to the class of vehicle being driven, the requirement to be accompanied when driving under a learner permit or any other restriction or condition that may apply.

I vaguely remember seeing a law allowing this term but I can't find it right now.

CiniO

Lurching wrote: »

If there is a law which you have broken resulting in an accident, why should an insurance company pay out?

I'll risk saying that more than 99% of accident result from someone breaking the law.
If everyone obeyed the law, there'd be very little accidents.

Moneymaker

I doubt you'd have much of a leg to stand on if you crash unaccompanied.

bazz26

I'd imagine they would pay out on any third party claim made against their client, however they may seek to recover that loss back from that client if it transpires they were driving unaccompanied.

Liam McPoyle

bazz26 wrote: »

I'd imagine they would pay out on any third party claim made against their client, however they may seek to recover that loss back from that client if it transpires they were driving unaccompanied.

Nail, head, bang.

Foxhole Norman

This happened to me a few years back. They paid for both the third parties car and our own.

oldyouth

The 3rd party gets paid, the own damage element depends on the wording in your contract (policy). There is no standard correct answer on the own damage section

SnakePlissken

Moneymaker wrote: »

I doubt you'd have much of a leg to stand on if you crash unaccompanied.

You could have some upper body injuries also.

Cleveland Hot Pocket

No legal basis for them not to pay out, unless it is specified in the policy document.

visual

Learner alone driving car is motoring offence just like speeding

Insurance companies dont enforse motoring laws they rely on what is within policy and only concerned with libility.