Do You Need Car Insurance for a Learner’s Permit?

A learning license is issued to the people who are still learning to drive. Its validity ends 6 months after obtaining the license. You don’t require a 4-wheeler insurance policy to obtain a learner’s license as you could learn how to drive in a driving school. The driving schools take responsibility for their students and get insurance for every vehicle.

However, getting car insurance and driving on the roads without any kind of permit can put you in a lot of trouble. It is because the insurance company will reject your claim outrightly if you are found without a license after an accident. Your car driver should at least have a license in case you don’t drive a car.

If you have a learning license, you still need to obtain third-party liability cover as it has been made mandatory by the government. Ignoring the insurance can result in heavy fines and you may have to bear significant losses after accidents. Also, it is mandatory to have a license for driving in India. Therefore, you cannot ignore any of these legal documents if you do not want to get into any trouble.

Most insurance companies do not offer 4-wheeler insurance if you have a learning license. However, you can get insurance for your vehicle without a license if you plan to hire a driver. Despite these provisions, it is hard to neglect the necessity of having car insurance. You can take care of the following things while getting a car insurance policy:

Insurance updates & online renewals

The insurance terms and conditions might change from time to time. Remain updated with the newest rules and regulations implemented by your insurer. You should also be aware of the status of your insurance even if you own a 4-wheeler insurance policy.

Some insurers like Bajaj Allianz allow their customers to check the status of their 4-wheeler insurance online. You can also switch your existing plan to Bajaj Allianz car insurance online during renewal. Due to the online renewal process, it becomes easy for you to transfer your plan or renew your existing Bajaj Allianz car insurance plan.

Maintain a clean record & safety devices

Your past driving record will be analyzed while getting a new 4-wheeler insurance policy. If you were involved in some accidents in the past, the insurance company might charge a higher premium for you. Therefore, maintain a clean record by driving safely. While procuring a driving license, you will get an idea about the traffic rules and regulations. It might help you to drive safely on the roads.

To lower the 4-wheeler insurance premium, you can integrate some safety devices into your vehicle. Install a dashboard or hidden camera, GPS tracking device, or similar gadgets as it encourages the insurers to offer a car insurance policy at nominal rates to you.

Comparing insurance policies

Compare insurance policies based on their features, extra benefits, coverage, premium, and other factors before getting a 4-wheeler insurance policy. Some online platforms provide enough information about the latest offers and policies introduced by the leading insurance companies.

Bajaj Allianz car insurance online policy will reduce your out-of-pocket expenses by providing extensive coverage. It not only insures your car from accidents and natural disasters but also allows you to pick the add-on covers you need. You qualify for NCB (No-Claim Bonus) if you don’t raise any claims during the policy tenure. The collected NCB will help you to get an attractive discount on the policy premium. It also provides the option of cashless settlement in network garages that are located throughout the country.