Licence + Insurance question

sanofi · 6 Dec 2011 at 16:54

If you had an international licence and a provisional licence and wanted to insure a car, what would happen if you insured using the provisional and showed the international if stopped or involved in an incident?

J.B · 6 Dec 2011 at 16:56

Im no expert but surely if you insured it under a provisional license they would expect you to be driving under the constraints of a provisional license?

Why not just show them your provisional?

sanofi · 6 Dec 2011 at 16:57

J.B said:
Im no expert but surely if you insured it under a provisional license they would expect you to be driving under the constraints of a provisional license?

Why not just show them your provisional?

The driver (not me) would be driving on their own, without accompaniment as required when driving with a provisional.

megakid · 6 Dec 2011 at 17:09

Insurance companies lower provisional license premiums as they know you'll always have someone experienced next to you. If you drove on another license then I guess this would invalidate this reason but I'm not sure if it would invalidate your insurance as well?

sanofi · 6 Dec 2011 at 17:11

megakid said:
Insurance companies lower provisional license premiums as they know you'll always have someone experienced next to you. If you drove on another license then I guess this would invalidate this reason but I'm not sure if it would invalidate your insurance as well?

Thats what I am trying to find out.

NVP · 6 Dec 2011 at 17:14

I'm not sure on the information retrieved by the Police insurance request, but if they only see that it is insured and not the type of insurance policy then you could possibly get away with it, however it is a rather stupid thing to do as say you are involved in an accident and the third party notes you are by yourself then your insurance won't be valid and you end up being prosecuted and out of pocket for the repair.

sanofi · 6 Dec 2011 at 17:16

NVP said:
I'm not sure on the information retrieved by the Police insurance request, but if they only see that it is insured and not the type of insurance policy then you could possibly get away with it, however it is a rather stupid thing to do as say you are involved in an accident and the third party notes you are by yourself then your insurance won't be valid and you end up being prosecuted and out of pocket for the repair.

This is what I am afraid of but would like to documentation of it to show my friend.

NVP · 6 Dec 2011 at 17:18

Just document him with the back of your hand, all the information he'll need to make him see he's potentially being an idiot

Sorry, not a helpful comment I know

Ivyforce · 6 Dec 2011 at 17:24

Check with your insurance company.
You can drive on the international permit for the 1st year as a full license.

Are you insured as provisional license so cheaper insurance as they expect you to be under supervision?, but your friend wants to drive the car as a full driver so not supervised?

Long as your friend was insured to drive under the international permit too I cant see any issue.

Your friend needs to sit their test in the mean time as would not be able to drive on there own after 1 year regardless.

sanofi · 6 Dec 2011 at 19:03

They have had their international license here for 3 years now thats the problem.

bullit in head · 7 Dec 2011 at 08:37

I'm sure that as soon as you apply for the uk provisional that is the licience that becomes valid in this country .so you cant drive by yourself until a full test is done.

Finglonga · 7 Dec 2011 at 09:04

bullit in head said:
I'm sure that as soon as you apply for the uk provisional that is the licience that becomes valid in this country .so you cant drive by yourself until a full test is done.

Exactly this, the old licence is void in this country once a provisional is issued. Makes no difference anyway as the international one doesn't count now as he has been here 3years.

Burnsy2023 · 7 Dec 2011 at 12:03

Finglonga said:
Exactly this, the old licence is void in this country once a provisional is issued. Makes no difference anyway as the international one doesn't count now as he has been here 3years.

Indeed and this will become very evident when doing a moving vehicle check.

PMKeates · 7 Dec 2011 at 12:19

Burnsy2023 said:
Indeed and this will become very evident when doing a moving vehicle check.

A friend of mine (who is British) drove here on her UAE license despite having a UK provisional. She then had a big crash (literally rolled it), police were involved, and nothing ever came of it. She did crash in the sticks so maybe they aren't too hot on things.

Burnsy2023 · 7 Dec 2011 at 12:41

PMKeates said:
A friend of mine (who is British) drove here on her UAE license despite having a UK provisional. She then had a big crash (literally rolled it), police were involved, and nothing ever came of it. She did crash in the sticks so maybe they aren't too hot on things.

I'd do a driving licence check on them (as well as insurance) regardless of what physical DL they presented as we need to check it's still substantive. I think most officers would do the same and that would show the provisional.

bullit in head · 7 Dec 2011 at 13:49

visitors
Provided your full licence or international driving permit remains valid, you may drive vehicles up to 3.5 tonnes and with up to eight passenger seats. You will be able to drive for up to 12 months from the date of coming to GB. However, you may only drive large vehicles which have been registered outside GB and which you have driven into the country.

Residents
If you are the holder of an ordinary driving licence or a valid international driving permit, you can drive any category of small vehicle shown on your licence. You will be able to drive for up to 12 months from the time you became a resident.

To ensure continuous driving entitlement a provisional GB licence must have been obtained and a driving test(s) passed before the 12-month period elapses.

If you obtain a provisional licence during this period, you are not subject to provisional licence conditions eg displaying 'L' plates or being supervised by a qualified driver or being precluded from motorways.

If you don’t pass a test within the 12-month concessionary period you cannot drive as a full licence holder, and provisional licence conditions will apply.
If you wish to continue driving you must apply for a British provisional licence with a view to passing a driving test. Provisional licence conditions will then apply.

If you don’t apply for a provisional licence within the first 12 months you must stop driving.

from dvla.direct.gov web site so says it all

bullit

bullit in head · 7 Dec 2011 at 13:50

Also
International driving licences

Neither the United Nations nor any of its subsidiary bodies issues or authorises the issue of international driver licences. An international driving licence is not valid proof of driving entitlement in GB.

bullit

sanofi · 8 Dec 2011 at 19:55

bullit in head said:
visitors
Provided your full licence or international driving permit remains valid, you may drive vehicles up to 3.5 tonnes and with up to eight passenger seats. You will be able to drive for up to 12 months from the date of coming to GB. However, you may only drive large vehicles which have been registered outside GB and which you have driven into the country.

Residents
If you are the holder of an ordinary driving licence or a valid international driving permit, you can drive any category of small vehicle shown on your licence. You will be able to drive for up to 12 months from the time you became a resident.

To ensure continuous driving entitlement a provisional GB licence must have been obtained and a driving test(s) passed before the 12-month period elapses.

If you obtain a provisional licence during this period, you are not subject to provisional licence conditions eg displaying 'L' plates or being supervised by a qualified driver or being precluded from motorways.

If you don’t pass a test within the 12-month concessionary period you cannot drive as a full licence holder, and provisional licence conditions will apply.
If you wish to continue driving you must apply for a British provisional licence with a view to passing a driving test. Provisional licence conditions will then apply.

If you don’t apply for a provisional licence within the first 12 months you must stop driving.

from dvla.direct.gov web site so says it all

bullit

Thanks bullit.

I am concerned because she got insurance for the car using the provisional and she has been a resident as a student for nearly 3 years.