Car insurance for provisional licence after you passed driving test but not changed to full licence


Hi everyone!

I’ve noticed that car insurance is significantly cheaper when you choose provisional driving licence instead of full one. One can easily understand why – insurer expects you will always be accompanied by an experienced driver.

However gov.uk clearly states that when you pass your test you can start driving right away. You don’t need to wait for your full driving licence (I understand pass certificate will be your confirmation). And that you can postpone getting full licence for up to 2 years.

https://www.gov.uk/driving-test/driving-test-faults-result

“

If you pass your test
The examiner will:
– tell you what faults you made, if any
– give you a pass certificate
– ask you if you want your full licence to be sent to you automatically – give the examiner your provisional licence if you want to do this
Apply for your full driving licence within 2 years of passing your test if you don’t want to get your licence automatically.

When you can start driving

You can start driving straight away when you’ve passed your test. You don’t need to wait for your full licence to arrive.

”

Formally you still only have provisional licence but can drive alone without an experienced driver.

My questions are

1. Can you continue using the insurance you’ve bought for provisional licence before passing the test? Do you need to tell the insurer anything? Can it increase the price or cancel the contract?

2. Can you buy insurance for provisional licence AFTER passing the test (e. g. if you get the car after passing the test) if you rejected getting full licence automatically and haven’t requested one yourself?

Thank you for the help!



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