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Daily Record
Daily Record
Lifestyle
Neil Shaw & Nicola Roy

Insurance rules for supervising learner drivers as parents warned of risks

For parents and guardians who take learner drivers out on the roads to practice, there are a couple of things that have to be in place - or you could risk a fine.

Driving with a trusted friend or family member can be a great way to get some extra practice in outside of lessons with an instructor.

But, before you can do this, motoring experts have warned of several important checks to do - and not doing so could result in your car being taken away, Wales Online reports.

According to the RAC, it takes the average learner driver 14 months or 47 lessons to pass their test, so practicing with a parent can be a great way to boost confidence behind the wheel.

Graham Conway, managing director of Select Car Leasing, said: "Parents or guardians taking youngsters out for extra lessons has long been a part of the learning-to-drive experience.

"According to the Driver and Vehicle Standards Agency (DVSA), those supervising must be over the age of 21 and have held a licence for at least three years.

"They must be qualified to drive the type of vehicle involved – which means they need a manual vehicle licence if they're supervising in a manual car."

It's also important to remember that learner drivers can still be fined for breaking the law. If they aren't insured on the vehicle, they could face a fine of up to £1,000 and up to six penalty points on their provisional.

The police also have the right to seize the vehicle - and according to Graham, if the case ends up going to court, there is the potential for an unlimited fine and a driving ban.

However, there are some simple ways that learner drivers and their supervisors can make sure they're staying on the right side of the law.

For example, learners should always be insured if they're using their own vehicle. Having a black box installed often means you'll pay less, as it records data about driving style and sends it to the insurance provider.

But, if the learner doesn't have their own car yet and has to use somebody else's, they may be able to get a short-term policy or get added to a different person's insurance.

The policy must cover learner drivers - but according to the RAC, there is the option for the supervisor to take out a separate learner driver insurance policy.

This sits alongside their annual policy, therefore protecting their No Claims Discount if the learner gets into an accident whilst driving their car.

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