Do learner drivers need insurance?

Like all drivers on the road, learners will need to be covered atleast a compulsory third-party insurance (CTP) policy. Typically if there's an insured, licensed driver that'in front passenger seat they will be automatically covered by the supervisors policy. However, in some cases, insurers will require you to list the learner driver on the policy. This can simply be done by contacting the insurer over the phone or online. A separate policy is only really worth it if the leanrer is owner and primary driver of their car. Whatever you do, don't insure their car in your name if they're going to be driving it more than you are. That is called car insurance fronting and is considered fraud. It's generally better to wait before buying them a car until they're experienced enough to lower their premiums, as they can usually be covered under your policy for free. If they have an accident, you may incur a young or inexperienced driver excess, which works out better than consistently paying high premiums. The cheapest cars to insure for learners are usually small, less powerful vehicles that have plenty of parts available so they are cheap to repair, like the Toyota Yaris or Hyundai i20.

Is car insurance more expensive for learners?

Yes, car insurance is generally more expensive for learners due to their lack of driving experience and higher risk profile.

Who is responsible for the accident of a learner driver in Australia?

The supervising driver can be held responsible if they are found negligent , but generally, the learner driver is responsible when driving a car. They may be covered under the car owner's insurance policy, unless the policy holder has a provision excluding drivers under a certain age.

What is the best car insurance for students?

The best car insurance for students should offer affordable premiums, flexible payment options and ideally, comprehensive coverage. Insurers like Bingle and Budget Direct are often recommended.