Slow learner
Question
I have a provisional licence for a car, which is also fully insured. Does this mean I am covered if I take the car on the road by myself?
Answer
If you drive on a provisional licence, without a qualified driver aged 21 or over in the passenger seat, you will be committing an offence under The Road Traffic Act. If stopped by the police, you could face a fine and points on your licence.
The insurance company will normally only cover you for driving the car legally. What you are suggesting would be breaking the law. Each company will have its own policy, however, which means they may take into account extraordinary circumstances, such as driving in the event of an emergency. Even so, you would be strongly advised to talk to your insurance company's claims department before getting behind the wheel for this reason.
If the company is not willing to stand behind you then you would be driving without insurance. This would bring another fine and more points on your licence. Factor in the risk of having an accident, and a possible charge of careless driving, and you could be facing a very large fine and even a driving ban.
Responsible driving begins with safety awareness; not just for yourself but others, too. So the smart move is not to take risks on the road, and be sure to drive according to the law.
Updated: 14/01/2009
Question answered by CAB
