Learner Drivers - You may not be covered

If the learner was doing the speed limit for a leaner driver he probably wouldn't have a problem.

Just rang NRMA as soon as I read your post. They stated to me that as long as a licensed driver is sitting in the passengers seat while instructing the learner all is ok. They don't even require the learners name on policy or anything like that. I then asked about the green slip policy (personal injury) I said so say if I had a daughter and I was teaching her to drive and we rolled and either myself or my so called daughter hurt herself (personal injury) and the vehicle was ridden off then either of us would be covered totally and the vehicle, Her answer was yes. I said so if she or myself become paralysed from the neck down we could claim through the NRMA green slip answer was yes. Very curious to know what insurance company was involved with this person in the article and whether insurance company's have different things with there policy's in regards to personal injury. Problem is with allot of these policies is nothing is clearly stated and allot by word of mouth that to me means jack sh#t. Regards Steve M

Hi Landy,
I asked the questions of both my vehicle insurers when my son got his L's and the answer was identical. The licensed driver is considered to be in control of the vehicle and therefore the L Plater is covered by the vehicle's insurance.

This is for NRMA and AAMI. The policy doesn't change until they become a P Plater and are in total solo control of the vehicle. Then the policy costs escalate dramatically as we know, ouch.

Its cheaper to buy them a crappy 3rd party property only car of their own to abuse until they are 25 than to hand them the keys your fourby IMO.

The article is referring to Compulsory Thrird Party Injury Insurance and has nothing to do with Vehicle Damage Insurance.

Jim.

Restrictions on Insurance Policies are not something new.
Many Insurance Companies include a restriction on the age of drivers. It is often set as minimum of 25 yrs. It us up to the Insured to notify their company if someone below prescribed age is going to drive the vehicle. Onus is on owner to notify appropriate changes to policy. Some companies may not permit changes to the policy to allow parent driver training of children. In such cases they would need to procure the services of a professional driver trainer.

Just as a follow up to my original post...this is about third party injury claims and not vehicle claims........

That's interesting, because when it comes to renewing CTP, I usually phone around & get a few quotes & go with the cheapest.
Having said that I stick with the majors, such as NRMA, Allianz, GIO etc.

I suppose I have always thought of it as a "necessary evil". You have just put it in perspective though!!
So, I wonder, for example, if you renewed your CTP with say, NRMA & later felt that they did not satisfy your needs, can you cancel midway through the period & renew with another insurer?

Someone mentioned they rang their insurance company and the person indicated yes to all the questions.

That's probably all fine until you make a claim then you find out the true story or the (fine fine print). In saying that I would be like you and take them on what they say over the phone.

I had a debate over locks on my home my insurance policy stated deadlocks and I wanted to install deadbolts well that sent them in a bit of spin for a couple of days lol. I don't think they knew what type of locks they were. I ended up going by the written word just to be safe.

Aside from the insurance issue I wonder how the learner driver is and how he is affected? Interesting article just the same.

Brian

I questioned RAC about a learner driver /other drivers
ANY license driver is cveredwhich includes L plates (obviosly all relevent laws must be followed)
only thing is age excesses apply