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Difficulty: HardMotor Insurance Coverage and Legalities

An experienced driver agrees to supervise a provisional licence holder who is carrying out private practice in the learner's own car. What is the legal insurance requirement for this practice to take place on public roads?

  1. A
    The supervising driver's own comprehensive policy must explicitly include a Driving Other Vehicles (DOC) clause.
  2. The learner driver must be covered by a valid insurance policy for that specific vehicle.Answer
  3. C
    The supervising driver must be named as the main policyholder on the vehicle's insurance certificate.
  4. D
    The vehicle must be covered by a commercial driving school policy with dual-control cover.

Answer

The learner driver must be covered by a valid insurance policy for that specific vehicle.
Under UK road traffic law, any vehicle driven on a public road must be covered by valid insurance that specifically covers the person driving. During private practice, the provisional licence holder is the active driver and must have an insurance policy (such as a provisional learner policy or named driver cover) that authorizes them to drive that specific car. The supervisor does not need to be insured on the vehicle unless they take over driving.

Step-by-Step Solution

1
Identify the driver who is physically operating the controls of the car.
The provisional licence holder is driving the car during private practice.
Under UK road traffic law, every individual driving a motor vehicle on a road or public place must be insured against third-party risks.
2
Determine the role and legal insurance obligation of the supervising passenger.
The supervisor accompanies the learner to provide guidance and ensure legal compliance.
The accompanying driver does not require insurance on the learner's car unless they take over and drive the vehicle themselves.
3
Select the policy requirement that satisfies continuous insurance and road traffic law.
An active policy (either the learner's own provisional policy or named driver cover on that vehicle) is legally required.
This guarantees that third-party liabilities and road risks are lawfully covered during the practice drive.

Key Concept

Motor insurance obligations during private learner practice sessions
Estimated Time:1m 0s
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Topics

Motor Insurance Coverage and Legalities

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