Accident - no fully licensed driver

Riddler87

Hi guys,

I had an accident today (went into the back of the car in front of me)! Thankfully no one was hurt and the lady I went I hit was exceptionally sound about the whole affair.

Question - am I still insured even though I didn't have a full licensed driver with me? (I have checked my policy document and there's no mention of this as in a clause etc)

Atlantis50

There is usually a catch-all clause in the policy stating that you must only drive as allowed per the the conditions of your license/learner permit.

If you fail to do so and are involved in an accident, you will still be insured but the insurance company can come after you for any money they pay out as you were not driving per the conditions of your learner permit.

cantdecide

I will make just one point as I, like most or all respondents, am not an insurance industry expert;

There are thousands upon thousands of drivers who are long term learner permit holders. On the other hand, scores of fender benders and traffic scuffles are a daily fact of life. So do your sums.

Although yes, a rule has been broken and I do believe that there is scope for you to be pursued for costs, I'm just making the point that although I have no access to the appropriate stats, I, myself, personally, to date, have never heard about an insurance company pursuing a solo learner permit holder for costs.