Young drivers' questions
What vehicle can I drive?
Provided the policy is purchased in your name, you can drive any vehicle valued at less than £20,000 and in insurance group 12 or lower.
How old do I need to be to take out Covered Learner Driver insurance?
You can be any age, provided you hold a Provisional Driver's Licence.
Does the car need to be insured elsewhere?
Yes. Our policy provides cover of the vehicle while the learner driver is
in control of the vehicle named our documentation. The registered owner / keeper of the vehicle,must have a currant motor
insurance policy in place.
Can I use my Covered Learner Driver policy to tax my car?
No. the registered keeper has to use the main insurance policy in place for the vehicle
If I have a Covered Leaner Driver policy and have a fault accident in my parents' / relatives' / friend's car, will it affect their insurance policy?
No.
Can I insure more than one vehicle?
You can cover as many vehicles as you wish, provided you purchase a separate policy for each vehicle.
How many people can drive the vehicle I insure?
Your Covered Learner Driver policy covers the named policy holder only.
What is the excess on a Covered Learner Driver policy?
There is a damage excess of £250, and a fire and theft excess of £250. No Windscreen cover is provided.
Who can accompany me in the insured vehicle?
You must be accompanied by a driver aged over 25, with three years' experience on a full licence, in possession of a current valid, full UK driving licence.
What is a referral code, and how do I get one?
A referral code is provided by your driving instructor or introducer. If your instructor does not have one, he or she may contact us to register.
Can I change cars?
It is possible to change your vehicle mid-term. A £15.00 administration fee will be charged for any amendments.
What happens to my cover when I pass my driving test?
When you pass your driving test, your Covered Learner Driver policy becomes null and void and ends immediately. No refunds will be given for outstanding periods of cover.
Are there any drivers Covered Learner Driver is unable to insure?
Unfortunately there are certain categories of individual and vehicle for whom we are unable to provide cover. This comprises those drivers whose main income is derived from taking part in professional sports or entertaining the public; those drivers with any motor fault accident claims against them, excluding windscreen cover; and those drivers with any convictions pending.
Who do I contact if I have any further questions?
Contact us by emailing enquiries@lmiltd.co.uk.
Parents' questions
What vehicle can I cover?
Provided the policy is purchased in the learner's name, any vehicle valued at less than £20,000 and in insurance group 12 or lower can be covered.
How old does the driver need to be to take out Covered Learner Driver insurance?
The driver can be any age, provided they hold a Provisional Driver's Licence.
Does the car need to be insured elsewhere?
Yes. Our policy provides cover of the vehicle while the learner driver is
in control of the vehicle named our documentation
The registered owner / keeper of the vehicle,must have a currant motor
insurance policy in place.
If the driver named in the Covered Leaner Driver policy has a Fault Accident in my car, will it affect my insurance policy?
No.
Can I insure more than one vehicle?
You can cover as many vehicles as you wish, provided you purchase a separate policy for each vehicle.
How many people can drive the vehicle I insure?
Your Covered Learner Driver policy covers the named policy holder only.
Do you insure new or young qualified drivers?
Unfortunately we do not provide cover for these drivers at present.
What is the excess on a Covered Learner Driver policy?
There is a damage excess of £250, and a fire and theft excess of £250. No Windscreen cover is provided.
Who can accompany the learner in the insured vehicle?
The learner must be accompanied by a driver aged over 25, with three years' experience on a full licence, in possession of a current valid, full UK driving licence.
Who do I contact if I have any further questions?
Contact us by info@greshamonline.net. .