Learner Insurance: Car Insurance for Learner Drivers

If you are learning to drive a car or recently learnt to drive, you must be careful behind the wheel. You are responsible for both your and road users safety while driving a vehicle. Car insurance is one of the most critical aspects of owning/driving a car and safeguarding it against unforeseen accidents that might take place on the road. Read ahead to know more about online car insurance for learner drivers.

The term Learner Insurance/Learner Driver Insurance can be confusing as it may be mistaken for insurance for the person learning to drive a car. But it’s not the case. In India, there is no such dedicated insurance plan for a learner driver. Here learner insurance refers to the insurance plan for the car that he/she may be using to learn driving. In other words, learner insurance can be defined as car insurance for new drivers.

Learner drivers or those who have recently learnt driving will not have much experience driving in tricky situations such as heavy traffic, adverse weather conditions or driving for long durations. Therefore, car insurance becomes crucial for those who are learning to drive or have significantly less or little driving experience.

As per The Motor Vehicles Act, 1988, third-party motor insurance is compulsory in India. Purchasing car insurance not only makes you legally compliant, but also provides several other benefits, especially for beginner drivers. In simple words, car insurance is the agreement between the policyholder (car owner) and the insurer. The terms and conditions govern the benefits of the policy. The car insurance policy provides a legal and financial backup in case of car-related mishaps.

A person learning to drive or who has just learnt to drive a car may not be aware of the significance of insuring a vehicle. But now, most of the driver’s training schools cover all the aspects of driving, including traffic rules and different types of car insurance plans. So, why does motor insurance become so significant for beginner drivers? The answer is simple, lack of driving experience.

Most of the learner drivers and even those who have just learnt to drive a car have less or little driving experience. So naturally, they might face difficulties handling the vehicle in situations such as driving on a busy road. For instance, a young person learning to drive may make mistakes that can lead to car damage or loss/damage to a person/property on the road. That’s when car insurance comes into the picture.

Beginner drivers or learner drivers can make mistakes, and the risk of damage to the car or third-party property/life is very high. So, car insurance is a must for a young driver who is just getting the grips of handling the car in different situations.

Listed below are some of the common mistakes to avoid when you are buying car insurance for learner drivers:

Insuring your car in advance is crucial so that the learner driver can concentrate on driving rather than worrying about mistakes he/she may commit. It is always better to purchase a car insurance policy before the learner driver licence. Because once the DL is issued, the learner drivers can drive the car on their own. Also, you can avoid penalties by insuring your vehicle, as driving a car without motor insurance is an offence in India.

For instance, if your son/daughter is learning to drive, it is better to educate them about the importance of insurance. Explain the coverage benefits of different types of car insurance plans and other insurance-related services. That way, young drivers will be well aware of the inclusions and exclusions of a car insurance policy. Also, they will be better equipped to handle the situation in case of a mishap.

It is recommended that you opt for a Comprehensive Insurance Plan for your car as it provides extensive coverage, including Third-party and own damage cover. Comprehensive car insurance for learner drivers will be helpful as the plan provides a financial backup if your vehicle is damaged or damages to third-party property or injury/death of a third party. It is better to be safe than sorry. It doesn’t matter if you are learning to drive or have several years of driving experience; car insurance is a must.

Here are some tips on car insurance if you have learnt to drive lately.

Car insurance is one of the most critical aspects of owning/driving a car in India. The significance of motor insurance amplifies if a learner or a young driver drives the vehicle. The chances of a mistake while driving a car are very high if the person is learning to drive or has minimal driving experience. In such situations, car insurance can protect you from any financial losses arising from damage to your car or third-party losses. All in all, car insurance is a must, irrespective of your driving experience.