Your child has obtained the student’s permission and can not wait to get behind the wheel. However, you have your own reservations, which at least will mean insurance. Can you get car insurance with a permit?
Do you need insurance with student permission?
Yes, you must be covered by an auto insurance policy if you drive a vehicle with a student’s permit, but that does not mean that you must have your own policy. If you are learning to drive and drive a car insured by someone over the age of 21, this insurance usually covers you. Teenagers living at home and driving their parents’ insured car are usually covered by a parental policy. However, it is recommended to confirm this in the car insurance company. Although teenagers generally do not have to be added to parental policies until they are licensed, there are exceptions.
Some car insurance policies automatically extend to drivers with the learner’s permission. Other insurance companies require that anyone who is old enough to drive a household car be added to the policy as an insured driver.
How you live with affects your car insurance
If you are a driver with a training permit, also known as a temporary driver, you may be covered if you live with someone like a parent or spouse with an existing car insurance policy. Here’s how the person you live with affects whether you qualify for car insurance.
Living with parents
If you have student permission and live with your parents, you can be insured under their current policy. However, you should not assume that you are covered by your parent’s car insurance because it varies from one insurer to another.
Not every insurance company has the same policy when it comes to drivers with student approval. Transparency is crucial when you plan to join a car insurance plan as a temporary driver because you may not be covered by an existing policy.
Car insurance premiums usually increase when a driver, teenage driver or young driver is added to an insurance policy for the first time because of the increased likelihood of an accident.
talking to your parent’s insurance company that you are a new driver in the policy will inform you of any requirements for teenagers or new drivers that you should know about.
How do you add a learner driver to your car insurance policy?
Adding a driver with student approval to your car insurance policy is as easy as adding another type of driver to your policy. Just contact the insurance company and ask to add a new driver to the policy.
In some cases, it is easier to add a student or allow a driver to have an automatic policy than to add other types of drivers. The reason: many insurance companies and policies automatically cover temporary drivers.
Even if it doesn’t apply to your parent’s, spouse’s or partner’s car insurance, adding you to the policy should be a simple process.
First they must contact their insurer and give them information about you. They usually have to give them:
- Date of birth