If you have a learner’s permit, you’ll need car insurance — but not necessarily your own. Drivers who are learning the rules of the road can join their parents’ policy. But drivers who can’t or don’t want to join their parents’ policy still have options.

Can you drive as a learner without insurance?

You need your own insurance as a learner driver if you’re practising in a car you own. Some insurance companies require the person supervising you to be over 25 years old. You can get an unlimited fine, be banned from driving and get up to 8 penalty points for driving without insurance.

Do you need car insurance if you are a permit driver?

If the driver does drive the vehicle and is in an accident, the car insurance policy will not provide any coverage. Specifics Vary by Insurance Carrier Most insurance carriers want you to have the permit driver listed on the car insurance policy as a permitted driver.

Can you get car insurance with a learner’s permit?

You and your car insurance company can talk about adding your teen driver to your own policy (or having him or her purchase a policy) once they are fully licensed. Again, never assume your teen with a driver’s permit is automatically covered under your policy. Always notify your car insurance provider.

When do you need to add a driver to your car insurance?

If the car is insured, and the driver is not excluded, the driver should be covered. If the insurance company which insures the car finds out about the permitted driver causing an accident, it is likely the driver will need to be added to the policy or excluded going forward.

Do you need car insurance for a teen driver?

Teen drivers who are living at home are usually covered under their parents’ car insurance. Individual car insurance for minors with a permit is not necessary as long as the parent has insurance.