Inexperienced and learner drivers attract a special sort of risk for insurance companies. Insecurity and the fear of the unknown, when compounded with the pressure of learning new skills and remembering a book full of road rules can result in a greater risk of car accidents occurring. While the driver is learning to drive, it is critical that the owner of the car used in providing the lessons advise their insurance company and have the learner driver added to the insurance policy. There may be some circumstances which may require the car owner to increase the premiums to cover increased risk based car insurance.
Once the learner driver has their license and is driving regularly, the policies on any car that they drive will need to have them included in the provisions. Alternatively, the new driver may get their own insurance policy and start to build their own driving history against that policy.
A new, inexperienced driver can take some steps to reduce the cost of risk based car insurance. For example, if they select a small, fuel efficient, non customized vehicle they can keep the cost of their premiums lower. If they only drive short distances and take steps to adequately secure the vehicle, this will also help. Finally, if the new driver takes extra driving courses such as defensive driving courses the premiums will be further reduced.