Automotive insurance
Year after year, millions of teenagers in the United Kingdom embark on their journey towards “independence” by applying for a provisional license also known as a learner driver’s license. Once you have obtained a valid provisional driving licence you are required to take your driving theory test.
Driving Theory Test
This is actually made up of two tests. The driving theory test and the hazard perception test. If you pass one and fail the other, you fail the whole test and would need to take both tests again. The questions you get is dependent on the category of vehicle you are hoping to get a licence for. There are many categories so it is important you know which your test qualifies you for and which vehicles you might want or need to drive in future. For example, a motorcycle theory test will contain questions that don't appear in any other test. The theory test is a multiple-choice test comprised of 50 questions. To pass you are required to answer 86% (43 questions) of them correctly. It is a timed test and examinee has 57 minutes to answer all questions. During the test you have the option to skip question and you can return to them later.
The Hazard Perception test is taken immediately after you have taken you theory test with lorry and bus test being the only exception – they are booked and taken separately. You will a total of 14 one-minute clips, each showing potential hazards involving road conditions, pedestrians or road users – all of which you could come across when driving. For the hazard perception test there are no separate versions for different vehicles, but the pass mark is different for them. There are 15 hazards to identify and you can score up to five points on each one, depending on how quickly you identify them. You need to score as least 44 out of 75 to pass. You opt for a practice session before the actual test commences to give yourself time to get used to the layout if the test.
Once you have passed these tests, you will be awarded a pass certificate. You will need your certificate to book your practical test. It is important to note that your theory certificate is valid for two years after passing your theory test. If you fail to pass your practical test before then, you will need to take and pass the theory test again.
The Practical Test
The practical test is designed for you to show what you have learned during your driving lesson. Driving lessons are key to passing this test. Practice makes perfect. Many aspiring learner drivers sign up with driving schools to learn and improve their driving skills in preparation for this test. Some supplement this additional private practice with family or friends.
Most friends and relatives are reluctant to do this as they stand to lose their no claims bonus should they have an accident. Plus the learner driver is not covered under their car insurance policy. Hence, if you are going to be driving a friend or family member’s car, it is recommended you take out a learner driver insurance policy (also known as provisional insurance). This means that as a learner driver, you can have access to many hours of low cost (no cost for some) driving practice. In addition, the family or friend teaching you need not be the car owner as long as they have the car owner’s permission and are of and meet the policy’s criteria, the car will be covered by the learner driver insurance policy.
Once you have had your practice and you are confident in your driving skills, you can book tour practical driving test. You will need to bring certain documents to your driving test and a car that can be used for the test (most learner drivers take the test in the driving instructor’s car). You can use a manual or automatic vehicle. However, you will get a licence to operate whatever car you pass your test in (that is, if you pass your test in a manual car, you will get a licence for a manual car).
The tests will involve a few mini-tests beginning with an eyesight check, followed by two vehicle safety questions (also known as show me, tell me). The driving part of the test will last for 40minutes during which the examiner will observing and grading your standard of driving especially with regards to safety. Your examiner will provide you with directions to follow and you will drive in various roads and traffic conditions all designed to test your ability to adhere to driving regulations. The best advice for this test is to do as you have been trained by your driving instructor to the letter during your practice lessons. You will be required to complete specific exercises such as reversing around a corner, turning in a road and reverse parking. Your test will also include some minutes of independent driving which is designed to assess your ability to drive safely while making decisions independently.
Should you make a mistake during the test, you are advised not to let it affect your concentration. It just might be a minor error which might not affect your result so it is best to focus on driving safely and making the best decisions according to your learning from your practice sessions. The examiner will stop the test should he/she consider you to be a danger to other road users. There are three types of faults which will mark you down during the test. You are permitted a maximum of 15 driving faults. Should you make more, you will fail the test. After the test, the examiner will tell you whether you passed or not and explain how you did during the test.
Best of luck!
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