Help! My teenager is learning how to drive…

It is a time that most parents dread, but we all have to learn sometime. Although we always approach this process responsibly, accidents do happen. The question on many parent’s mind is; “am I covered when my learner driver is behind the wheel?”

Insurance policies vary, so it’s worth checking the fine print regarding learner drivers. But here are a few factors to consider:

  • Your cover may exclude certain vehicles. High performance vehicles might only be covered if the driver is over 21 years of age. A high performance vehicle is classified as such when the power to weight ratio is greater than 0.085. This can be calculated by dividing a vehicle’s kilowatt capacity by its mass.
  • The driver must possess a learners license pertaining to the type of vehicle being driven and be driving with a licensed driver at the time of the incident.
  • The driver possessing a valid driver’s license must be sitting in the front passenger seat. Any other passengers must sit in the backseat and be transported without any payment involved.
  • The owner of the vehicle must have given the learner driver consent to drive his/her vehicle.
  • The vehicle must be roadworthy.
  • If an accident happens and the learner driver is under the age of 25 you are likely to pay a higher excess.
  • If an accident happens between 8pm and 6am over a weekend you are likely to pay a higher excess.
  • If a vehicle was specifically purchased for the use of the learner driver, they must be named as the regular driver. It’s important to note that premiums may be higher in this instance since it is impacted by a driver’s age and driving experience.
  • Ensure you maintain the minimum speed requirements and all other rules of the road.


Due to all the technicalities surrounding insurance and learner drivers, it is often recommended to make use of a driving school. But if you will be taking on the teaching role yourself, we strongly advise that you confirm with your insurance provider that you are fully covered in the case of an incident. If you are looking for further information or to check whether you have sufficient insurance coverage for various scenarios, contact APBCO brokers here.