Learner driver's 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 and post code. Our application process will check the insurance group to ensure the car qualifies for cover.

How old do I need to be to take out Covered Learner Driver insurance?
You can be any age, provided you hold a UK provisional driving 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 in our documentation. The registered owner/keeper of the vehicle must have a current 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 Learner Driver policy and have a fault accident in my parents'/relatives'/friends' 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 £300, and a fire and theft excess of £300. 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 and has been a resident in the UK for more than 3 years.

Can I change cars?
It is possible to change your vehicle mid-term. A non-refundable £15 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 ends immediately. No refunds will be given for outstanding periods of cover.

Are there any drivers that 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; those drivers with any convictions pending and haven't been a resident in the UK for more than 3 years. Certain post codes are also excluded.

Who do I contact if I have any further questions?
Contact us by emailing ldriver@coveredadmin.co.uk or by telephoning 0845 519 4969.

Vehicle owner's 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 kept at acceptable post code 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 UK provisional driving 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 in our documentation The registered owner / keeper of the vehicle must have a current 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 £300, and a fire and theft excess of £300. No Windscreen cover is provided.

If the learner driver has an accident, do I get a courtesy car?
No. Courtesy cars are specifically excluded from this insurance policy.

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 and has been a resident in the UK for more than 3 years

Who do I contact if I have any further questions?
Contact us by emailing ldriver@coveredadmin.co.uk or by telephoning 0845 519 4969.