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I'd assume they can. It's illegal for a provisional driver to drive on the motorway.The car is a complete right-off but can my insurance company say that I wasn't covered for been on the motorway?
I'd assume they can. It's illegal for a provisional driver to drive on the motorway.
If you check your terms and conditions on the insurance policy I'm sure you'll see something about the insurance only covering you if your not breaking the law (it won't be worded quite like that but the basic idea will be the same) [I believe my own mentions some specifics such as racing etc. but definatly a catch all which states any illegal activity is not covered].
Are you sure there is correct... if it is they can refuse to pay out on anyone 1kph over speed limit ?
I didn't claim they would withhold the payment, the OP asked if they could. Due to the fact that the OP was breaking the law, from my own vague memory of my insurance Ts&Cs [and I could be recalling them incorrectly], I believe they may have a case to refuse if they so wished (they will have to cover any third party but again, could decide to chase this up with the OP after).slave1 said:I never heard of someone on a provisional licence being withheld claim amounts, think about the number of provisional licence holders in Irl today, if ins. copmanies were withholding payments then there would be no need for this query as it would be well know.
Definitely covered, whether they pay out or not will obviously depend on the particulars of the case.
If they are covered how could the insurance company refuse to pay out?
[Personally, I think most ins. companies do pay out in these cases. Never understood why. Possibly increased revenue for the industry having a driver with a claim? Possibly for good PR?]
Here's a thought - if an insurance policy wording says "provided you hold a licence to drive, or having held a licence, are not disqualified from holding a licence", are you covered if your licence lapses? You held a licence and haven't been disqualified! The law says you can't drive without a licence, but would you be insured without one!
To allow those that stay within the law, drive with a fully licenced driver and don't go on motorways, to gain experience driving so they can get a full licence.If it was the fact that an insurance would not pay out for this type of claim then why would insurance companies offer insurance for provisional licences at all?
I've never heard of it either, but that doesn't mean that the insurance company must pay out. There is a huge difference between what happens in reality (by convention) and what must happen (as required by law).by law all prov licence holders must be accompanied by a full licence driver. As we all know majority of prov licence holders drive alone & I've never heard of a claim being refused on this basis.
To allow those that stay within the law, drive with a fully licenced driver and don't go on motorways, to gain experience driving so they can get a full licence
Well, I for one can confirm that I did stick to it.Ok I have never known or heard of anyone strictly obeying to the above, it looks good on paper but in reality doesn't happen.
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