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.
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).
A previous thread here on AAM detailed a claim being made where the insured hadn't disclosed penalty points on their licence and the insurance company refused to pay out. I'd view breaking the law to be in a similiar (if not higher) bracket as non disclosure of information.
I had a quick google and didn't find any cases where a provisional driver (having had an accident on the motorway) had any problems with a claim. That doesn't mean that there aren't examples out there, it also doesn't mean that the insurance company
has to pay out or that they won't pay out, but given that the law was broken they may (I can't state for certain either way) have a case to withhold. Whether they do or not is an entirely different matter.
I know numerous claims where a provisional driver (1st prov.) driving alone have been covered (again, technically breaking the law) in accidents. I would have again assumed the insurance company would have had a case to withold payment if they had wished too. Even if the convention is that they pay out, it doesn't mean that they must.
[There may well be something which does mean that they must, but just banking on "they pay everyone else" isn't really arming yourself with knowledge]