Learner Driver's Frequently Asked Questions.
| Q: | Is Covered On Demand a traditional motor insurance policy? |
| A: | No. Covered On Demand is a new way of buying and using an insurance policy. You buy a set number of Insured Days and use them when it suits you, also you have a longer Policy Period to use the Insured Days over. With a traditional policy you buy a set number of days to use over a set period. Unfortunatly with a traditional policy, you are also paying for days you are not driving. |
| Q: | Is Covered On Demand a fully comprehensive policy? |
| A: | Yes. Covered On Demand is a fully comprehensive policy in the name of the learner driver. If the learner is involved in an accident while in control of the car they are being supervised in, it is this policy that is called on. The policy operates separately to the owner's policy and protects the owner's No Claims Bonus. |
| Q: | Can I drive before booking my Insured Days? |
| A: | No. You are only insured to drive after you have purchased a policy and you have booked Insured Days through MY DRIVING PLANNER. When you have booked Insured Days you will immediately receive a Certificate Of Motor insurance by email; this will confirm the time and dates you are insured to drive. |
| Q: | How do I book Insured Days? |
| A: | This is done through your Covered On Demand account. Log on and add days to your calendar found in MY DRIVING PLANNER bookable days are shown in green. |
| Q: | When can I book my Insured Days? |
| A: | 24 / 7 using your smartphone, tablet or laptop. Log on to your Covered On Demand account, select MY DRIVING PLANNER and follow the instructions to book Insured Days. |
| Q: | Can I book a single Insured Day on the same day I want to drive? |
| A: | Yes, but the cover will only be in place until Midnight 23.59.59pm that day. |
| Q: | Do I have more time to use the Insured Days I have purchased? |
| A: | Yes. You buy the Insured Days you think you need; we then give you double the time to use them. |
| Q: | What is the minimum and maximum insurance term I can book? |
| A: | The minimum term is one day, if you book one day on the same day you wish to have cover the cover will end at 23:59:59pm the same day. The maximum term is as many Insured Days as you have available on your account. |
| Q: | What happens if I register Insured Days and don't use them? |
| A: | Once you have booked Insured Days and we have issued your documentation, the days cannot be changed and count towards your used days. You can drive on those days but you cannot cancel them. |
| Q: | What happens if I have unused Insured Days left on my account at the end of the policy term? |
| A: | Unfortunately, these days are lost when the policy term finishes. So you don't lose them, you can buy extra Policy Days through your account. You must complete this purchase before the policy expires. |
| Q: | What happens if I have unused Policy Days left on my account and no Insured Days? |
| A: | Unfortunately, these days are lost when the policy term finishes. But so you don't lose them, you can buy extra Insured Days through your account. You must complete this purchase before the policy expires. |
| Q: | How do I top up my Insured or Policy Days? |
| A: | Log into your account and go to BUY ADDITIONAL DAYS; you will then be offered a selection of days or package options to choose from. |
| Q: | What are my Top Up options? |
| A: | If you need more driving time or you have Insured or Policy Days left on your account that you don't want to waste you can top up your Insured or Policy Days or purchase a new package. All Top Ups will be added to the existing days you have remaining on your account. |
| Q: | How much will Top Ups cost me? |
| A: | 30 Additional Policy Days £17.92 60 Additional Policy Days £28.00 5 Additional Insured Days £26.88 10 Additional Insured Days £40.32 Packages from: 3 Insured Days Over 7 Policy Days £20.16 £500 Excess 3 Insured Days Over 7 Policy Days £22.40 £250 Excess The excess selected on your original purchase will apply to any Top Up. |
| Q: | Does the vehicle owner have to be the learner's supervisor? |
| A: | No. Any person 25 or over, who holds a current, full UK/EU/EEA driving licence, has held the licence for 3 years or longer and been a UK resident for 2 years or longer, an approved or potential driving instructor (ADI) or (PDI), or a DSA Examiner if you taking the practical driving test. |
| Q: | Can I renew a Covered On Demand policy? |
| A: | No. You just top up your Covered On Demand policy with additional Policy Days and Insured Days when you need them. This is to avoid buying Insured or Policy time you may not use. If you let your Covered On Demand Policy end you can easily purchase another policy at any time. |
| Q: | Do I receive a Certificate Of Motor Insurance each time I book Insured Insured Days? |
| A: | Yes. We issue a separate Certificate Of Motor Insurance for each period of insurance you book. |
| Q: | Do I receive a new Schedule Of Insurance when I buy additional Insured Days or Policy Days? |
| A: | Yes. We issue a new Schedule Of Insurances showing the new policy term or number of Insured Days. |
| Q: | How do I know how many Insured Days or Policy Days I have available? |
| A: | The Driving or Policy Days you have available are always shown in your Covered On Demand account. Log on and select MY DRIVING PLANNER. |
| Q: | What vehicles can I be insured to drive in? |
| A: | You can insure vehicles valued at less than £20,000 in insurance group 1-29 (1-50 grouping) and are kept at an acceptable postcode. Our application process will check that the vehicle and postcode are acceptable. You are only insured to drive the vehicle shown on your certificate of insurance. |
| Q: | How old do I need to be to take out Covered On Demand Learner Driver insurance? |
| A: | You can be any age, provided you hold a valid UK provisional driving licence. |
| Q: | Does the car need to be insured elsewhere? |
| A: | Yes. The registered owner/keeper of the vehicle must have a current motor insurance policy in place on the vehicle you are practicing in. |
| Q: | Can a learner own and insure the vehicle under this policy? |
| A: | No. If the registered keeper of the vehicle is the learner driver, they need our owner policy. This can be purchased at www.coveredownerlearnerdriver.com |
| Q: | Can I use my Covered On Demand Learner Driver policy to tax the car I have insured? |
| A: | No. The registered keeper has to use their main insurance policy. |
| Q: | If I have a fault accident while driving under my Covered On Demand policy, will it affect the car owner's No Claims Bonus? |
| A: | No. Any fault accidents during the insured periods shown on the learner's Certificate Of Motor Insurance and Insurance Schedule are insured under the Covered On Demand policy, when the insured learner is in control of the insured vehicle. |
| Q: | Can I insure more than one vehicle? |
| A: | You can insure as many vehicles as you wish. You must purchase a new policy and set up a new account, with a different email address, for each vehicle. |
| Q: | How many learner drivers can drive the vehicle I insure? |
| A: | The Covered On Demand learner driver insurance policy only covers the person shown on the certificate and schedule. |
| Q: | What is the excess on a Covered On Demand Learner Driver policy? |
| A: | We offer a choice of policy excess £250 and £500. The excess you have selected is shown on your schedule. No windscreen cover is provided. The excess selected on your initial policy remains in place for the duration of that policy. |
| Q: | Who can accompany me in the insured vehicle? |
| A: | Any person aged 25 or over, who holds a current, full UK/EU/EEA driving licence, has held the licence for 3 years or longer and been a UK resident for 2 years or longer, or you are receiving instruction from a qualified Driving instructor (ADI) (PDI), or taking the practical driving test with a DSA Examiner. |
| Q: | Can I change the car I am insured to drive, after I have purchased a policy? |
| A: | Yes. This does have a £15 administration fee. Log in to your account using your PIN number, current email address and postcode. Go to My Profile and select Change my car. Enter the new car details and answer the declaration questions. Press I wish to proceed. If the car is acceptable, you will go through to the payment page, so have your payment card ready. When payment is received we will send you confirmation of the change. When you book Insured Days, the new certificate will have the new car details on it; please check them. Cover on the old car will end when the old certificate cover date has expired. |
| Q: | Can I change my home address, after I have purchased a policy? |
| A: | Yes. This does have a £15 administration fee. Log in using your PIN number, current email address and postcode. Go to My Profile and select Change my address. Enter the new address details and answer the declaration questions. Press proceed. If the new postcode is acceptable, you will go through to the payment page, so have your payment card ready. When payment is received, we will send you confirmation. The next time you book Insured Days, the new schedule will have the new address details on it; please check them. |
| Q: | Can I change the email address that my policy is linked with, after I have purchased a policy? |
| A: | Yes. It's important you always give us the correct email where you wish to receive your documents. : Log in using your PIN number, current email address and postcode. Go to My Profile and select Change my email address. Enter the new email address details. PLEASE MAKE SURE THE EMAIL ADDRESS IS CORRECT: this is where we send documents and make contact with you. Press UPDATE and the email is changed. We will send you confirmation; if it's not received in 15 minutes, please check your junk file also if the email address you entered is correct, if its not, please follow the process again. |
| Q: | What happens to my cover when I pass my driving test? |
| A: | When you pass your driving test, your Covered On Demand Learner Driver policy and all cover ends immediately. A qualifying supervisor may return the car to your home or its normal garaging address. |
| Q: | Are there any learners Covered On Demand Learner Driver Insurance is unable to insure? |
| A: | Yes. This comprises of those drivers whose main income is derived from professional sports or the music industry; those drivers with any motor fault accident claims against them, excluding windscreen cover; those drivers with any convictions pending; and those drivers who haven't been a resident in the UK for more than 2 years. Certain postcodes are also excluded. Our application process will also ask you to confirm your acceptability. |
Vehicle Owner's Frequently Asked Questions.
| Q: | What vehicle can the learner insure? |
| A: | Provided the policy is purchased in the learner's name, any vehicle valued at less than £20,000, kept at an acceptable postcode and in insurance group 1 to 29 (1-50 grouping). |
| Q: | Does the vehicle owner have to be the learner's supervisor? |
| A: | No. Any person 25 or over, who holds a current, full UK/EU/EEA driving licence, has held the licence for 3 years or longer and been a UK resident for 2 years or longer, an approved or potential driving instructor (ADI) or (PDI), or a DSA Examiner if you taking the practical driving test. |
| Q: | How old must the learner driver be to take out a Covered On Demand Learner Driver insurance policy? |
| A: | The driver can be any age, provided they hold a valid UK provisional driving licence. |
| Q: | What is the minimum and maximum insurance term the learner can book? |
| A: | The minimum term is one day, if they book one day on the same day they wish to have cover the cover will end at 23:59:59pm the same day. The maximum term is as many Insured Days as they have available on their account. |
| Q: | Does the car need to be insured elsewhere? |
| A: | Yes. Our policy provides cover when the learner is driving the vehicle shown on their certificate of insurance and schedule. The registered owner / keeper of the vehicle must have a current motor insurance policy in place. |
| Q: | If the named learner on the Covered On Demand Leaner Driver Insurance policy has a fault accident in my car, will it affect my insurance policy and No Claims Bonus? |
| A: | No. Any fault accidents during the insured periods shown on the learner's Certificate Of Motor Insurance and Insurance Schedule are insured under the Covered On Demand policy, when the insured learner is in control of the insured vehicle. |
| Q: | Does the learner receive a Certificate Of Motor Insurance each time they book Insured Insured Days? |
| A: | Yes. We issue a separate Certificate Of Motor Insurance for each period of insurance they book. |
| Q: | Does the learner receive a new Schedule Of Insurance when they buy additional Insured Days or Policy Days? |
| A: | Yes. We issue a new Schedule Of Insurances showing the new policy term or number of Insured Days. |
| Q: | What is the excess on a Covered On Demand Learner Driver insurance policy? |
| A: | We offer a choice of policy excess £250 and £500. The excess you have selected is shown on your schedule. No windscreen cover is provided. The excess selected on your initial policy remains in place for the duration of that policy. |
| Q: | Who do I contact if I have any further questions? |
| A: | If you have any questions a selection of additional FAQs are available on our website. Alternatively, you can Email Us at: Motor@coveredinsurance.com During office hours (Monday to Friday 9 am to 5 pm). We aim to respond to all emails on the same day as we receive them. If we receive your request outside our business hours, we will reply to you as soon as possible when our offices are open. Write To Us: Covered Insurance, PO Box 581, Grays, RM17 9QU. |
Learning to drive in
your own car?
- You Need Covered
Owner Learner Driver - Fully comprehensive
insurance for you and your car
Insurance Product Information Document
Information Document for the Covered On Demand Insurance policy.
Policy Wording
Policy wording for the Covered On Demand Insurance policy.
For policies starting prior to 1/1/2023
For policies starting on or after 1/1/2023
