Provisional Car Insurance

[patti50]

If I hold a provisional licence it is legal to be the only driver of a car and be insured on it. And if this is legal my friend or relative taking me out for lessons does not need to be insured on this car if they are over 21 and have held a full drivers licence for over 3 years?

[New Judge]

Sorry but there is some confusion here. The confusion is between the requirements of the law (the Road Traffic Act) and conditions imposed by some insurers before cover is provided. Arrods has got the right end of the stick. There is no requirement in law for those acting as supervisors to provisional licence holders to have insurance. They are not “driving”, “using” nor “in charge” of the vehicle. All those responsibilities fall on the driver. If the vehicle belongs to the supervisor they will be “keeping” it and so will be liable to have cover, but that is a different matter.

[EDDIE51]

Good job it does not apply to 'back seat drivers' or my Mrs would need a policy !