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 The provisional driving licence: what about insurance? Do you have a provisional driving licence and do you want to buy a car? There are various situations possible, each with different consequences for your insurance contract. An overview. What is a provisional driving license? You will receive a provisional driving licence if you have passed your theoretical exam , taking you one step closer to a permanent driving licence. It gives you the opportunity to learn to drive, either with an instructor or with a driving school. Provisional driving license with supervisor You can apply for this driving licence from the age of 17 , it is valid for 3 years and you can choose a maximum of two supervisors . In Flanders, your supervisors must be in possession of a valid supervisor certificate and meet the conditions. The most important restriction is that it is forbidden to drive alone . You may only sit behind the wheel with your supervisor(s) who is stated on your provisional driving licence or a driving instructor, you may not take other passengers. In Brussels, with this driving licence you can also opt for a combination of free supervision and driving school. Provisional driving license without supervisor Only from the age of 18 can you opt for a provisional driving licence without a supervisor, on condition that you first follow 20 hours of driving lessons in an approved driving school after which you receive a certificate of competence. This driving licence is only valid for 1.5 years or 18 months . You may take two passengers, but they must meet the conditions. In Brussels, you can also choose between 2 formulas with this driving licence: driving school without internship and driving school with internship. Changing a provisional driving licence or expired driving licence In Flanders, from February 2019, you may apply for a provisional driving licence of the other type once during the validity period of your provisional driving licence. Has your provisional driving licence expired? Then you may apply for a new provisional driving licence that is valid for 12 months after 6 hours of practical lessons. The impact on your insurance contract Since you are not allowed to drive alone with a provisional driver's license with a supervisor, you are not allowed to take out an insurance contract in your name. If you have a provisional driver's license without a supervisor, you are allowed to drive alone. You then have two options: If your parents agree, you can drive their car and be insured as a second driver . Your parents' premium will then be revised upwards. In addition, you can gain some driving experience, which will reduce the price of your third-party liability insurance when you have your own car. If you decide to buy a car in your name, you can take out insurance in your name . Novice drivers often cause more accidents, because they do not always have enough experience to react to an unexpected obstacle. Therefore, the premium for third-party liability insurance can be quite high.
