There is no age for learning, and it is true even in case of driving. One can start to learn at any age and can successfully learn to drive a car. But learners have to pay special attention to the various road symbols and adhere to safety rules. For this reason, new drivers undertake a learning test. This test is an electronic examination conducted at the regional transport office. After successfully clearing this exam, one receives a learner’s driving license. Using this license, you can drive with a permanent license holder or authorized student driver instructor.

But even while learning to drive a car using a learner’s license, it is important to have car insurance. Although learners may feel safe driving when accompanied by an expert driver or instructor, there always lures an uncertain possibility of an accident. Moreover, while learning, the expertise level is not so much that such incidents can be averted in advance.

Thus, buying car insurance is the first step when learning to drive a car. A car insurance policy ensures any mishap or damage that you might encounter for yourself or any other person is covered by the insurer. This inclusive coverage is available under a comprehensive car insurance plan.

Why is it essential to have car insurance for learner drivers?

The ones who have just started to learn might not truly understand why it is essential for them to have car insurance right from the start. Training instructors might provide information regarding the coverage and its inclusions.

But if you are a learner, you can discuss it with more experienced drivers. Also buying a comprehensive insurance policy is better in case you are learning. Third party car insurance provides coverage for damage to third party losses. Also, these losses are restricted to ₹ 7,50,000 in case of third party property damage.

Alternatively, a comprehensive insurance cover includes any damage to your vehicle and life along with third-party coverage.

Reduces your liability: While learning a new skill, it is known that you will make mistakes. As mistakes are the stepping stone to learning, these mistakes can be life-threatening in case of driving a car. Thus, an insurance cover ensures any such error does not put you in any kind of financial liability. Moreover, an appropriate insurance cover will ensure both damages to other people, as well as yourself, are included in the policy coverage. If you don’t have an insurance policy, you would otherwise require to bear these costs from your pocket.

Legal requirement: Whether you are a learner or an expert driver, it is a mandatory requirement as per the Motor Vehicles Act, 2019 to have a copy of insurance. Also, the general notion that you require a valid driving license to purchase car insurance is not true. You can even purchase car insurance without having a driving license too.

Lastly, while checking for insurance plans, don’t forget to make use of a car insurance calculator. This tool will help you in determining the premium that will be charged. Also, you can load your car insurance cover with suitable add-ons to expand its coverage when you opt for a comprehensive plan. Finally, do not skip buying an insurance policy even when you are learning as it will help to protect you and your car.