Tips For Learner Drivers Looking To Get Insured Without Breaking The Bank

First of all it, is very important for you as a learner to hold a valid provisional driving licence before you start to drive. Failure to have one is an offence according to UK laws. You can apply for your provisional licence online from government site (DirectGov) or by using the Driver and Vehicle Licensing Agency's (DVLA) one or even from any Post Office branch. Once your provisional driver licence is at hand, you need to start searching for an insurance company to provide adequate cover for you and the car in which you are learning (this is really important for practicing in your own car).

As a new driver, you must know all your road signs well. A highway guide book can help you understand all the roads signs in the UK. When learning to drive, you must have the "L" sign stick on your car so that other drivers know that you are a learner driver and are prone to mistakes whilst on the road and they are therefore take necessary precautions. It is to be noted that not displaying the "L" sign at the front and back of the car is an offence and a breach of the law. This "L" sign can be tied on your windscreen, rear bumper or front bumper. You are not allowed to drive a car on the roads without another fully licensed driver who is 21 years of age or more and having his licence for at least three consecutive years. You are not permitted to drive on motorways even in the presence of a fully qualified driver though. If ever you are caught driving on the motorway, you can be prosecuted by the police and this can result in the issue of a ban for a driving licence in your name.

Many people insist on not having learner driver insurance because simply according to them it is not important. They are totally wrong though. For instance, if a policeman catches you driving without insurance whilst having driving lessons in a private car, you can end up paying large amounts of money in fines, have your driving licence confiscated and in some cases where you have been involved in an accident, you can be arrested. The reason for having insurance for learners is simple - the government loses a lot of money in compensation to treat people who have had an accident with an uninsured driver. Why should the government be responsible for the mistakes and carelessness of a driver who did not get proper insurance coverage in the first place? It's not fair to be spending taxpayers money for people who don't care! Bear in mind the government have other problems to look into, like infrastructure, poverty and so on.

As a learner, you should always consider security as your priority. Learner driver insurance covers medical cost of those injured in an accident. These people include you, your passengers, and any third party. You risk getting into financial trouble if you are not insured. Note that you will have to pay the medical costs of all injured and they can even sue you by court to pay damages they've incurred and compensation as well. To be on the safe side, don't look for reasons for not getting insurance cover. The law says you need it and this insurance not only covers medical cost but also any damage to the car you're being taught to drive in. Insurance companies can even provide you with a new car if your car is totalled but of course there are conditions attached to it. Always read the small print on the policy and don't try to drive unsupervised as this is against the law.