Does insurance cover a provisional driver's license? – Afrilatest

Do you have a provisional driver's license and are unsure about your insurance coverage? No problem! In this article, we'll explain everything about the subject. Stay tuned!

A provisional driver's license is nothing more than a driver's first National Driver's License. It is what the driver receives as soon as he or she passes the driving test. With the document in hand, the individual can drive throughout the country. But is a provisional driver's license covered by insurance?

Before we answer this question, we will give you a tip: you need to pay attention to the rules of the provisional driver's license. A novice driver cannot accumulate more than 7 points on his license in a period of one year. He must also not register any serious or very serious fines. Otherwise, his driving license will be revoked.

In these situations, it is necessary to complete the entire process for a new license, taking several classes at the driving school. The rule appears in § 4 of Art. 148 of the Brazilian Traffic Code – Law 9503/97.

Image: Getty

Advertisement

Does insurance cover drivers with provisional driving licenses?

Car insurance aims to compensate consumers for losses incurred with their vehicle. To purchase it, drivers need to contact the insurance company and request a quote. The company will then assess the car and driver to determine the cost of the insurance.

This type of analysis is called risk assessment. The higher the risk of a driver having an accident, the higher the cost of their insurance. For example, an individual with little driving experience pays more for insurance than someone with years of experience. In other words, insurance covers users with a provisional driver's license, but this protection is usually a little more expensive.

Despite these higher values, it is important to inform the insurance company of the date of your license. Many drivers believe that they can gain an advantage by listing an older individual as their policyholder. In fact, the coverage will be cheaper. However, after an accident, the insurance company compares the policy data with reality. If it finds inconsistencies, the company may claim fraud and not pay the compensation. There are even cases in which the consumer is sued by the insurance company.

How is car insurance priced?

In addition to the driver's driving time, another aspect that is assessed when determining the cost of insurance is the vehicle model. When the type of car has a high rate of theft or robbery, its insurance is usually more expensive. The costs also increase when the vehicle is parked on public roads and when the driver has a history of accidents. Several other aspects are also assessed when calculating the insurance quote.

When purchasing protection for your vehicle, it is also important to think about the necessary coverage. The most basic insurance policies on the market offer protection against fire, collision, theft, robbery and lightning. However, it is always possible to purchase additional coverage, such as 24-hour assistance and protection for the car windows.

The number of coverages also influences the cost of insurance. However, remember to purchase all the coverages that are relevant to your vehicle. This way, if an accident occurs, the insurance company will cover most of the loss.

There are two types of compensation that a consumer can obtain from auto insurance: partial and full. Partial compensation is released when the vehicle suffers damage that corresponds to less than 75% of the car's value. In this situation, the amounts released are used to repair the vehicle. The user also pays part of the loss, through the insurance deductible.

Full compensation is released when the damage to the car exceeds 75% of its market value. The amounts are intended to purchase a new vehicle, since the insured suffered a total loss.

And what happens to the provisional driver's license?

A provisional driver's license is valid for one year. After this period, the user must request a definitive license from the State Department of Transportation (Detran). The request must be made within 30 days after the first license expires.

With the new document, renewing your insurance policy may be cheaper. After all, you will have more experience behind the wheel. Furthermore, when you complete one year of insurance without registering a claim, the user accumulates a bonus class. Bonus classes work like a “points plan” that gives discounts to the consumer.

Now that you know that a provisional driver's license is covered by insurance, get a quote for your protection! Remember that costs vary greatly depending on the insurance company, and shop around for prices at different companies. This way, you'll ensure the best insurance and coverage for your vehicle!