If you want to drive a car on Indian roads, then it is necessary to have these four documents: a vehicle registration certificate, PUC certificate, four-wheeler insurance, and a driving license. The government and legal authorities mandate the latter two documents in order to create a safe driving experience for the driver as well as others. There will naturally be fewer accidents as a result of licensed drivers; even when accidents do happen, insurance will take care of it.
In case an accident leads to damages that are covered under the four-wheeler insurance, the policyholder can file a claim and get due compensation. A good four-wheeler insurance policy will provide comprehensive coverage to protect the car against several risks and dangers.
But what about those who do not hold a permanent driving license and are driving their car under a learner’s license? Are they eligible to file a claim on their insurance policies in case of an accident or a calamity? The simple and clear answer is yes. You can file a claim on your four-wheeler insurance with a learner’s license. However, there are certain conditions to be met.
Let’s take a look at the conditions you would need to meet in order to file for a claim in four- wheeler insurance with a learner’s license.
Firstly, if you hold a learner’s license, you need to have somebody with a permanent driver’s license accompany you in your car. This is to ensure that learners are under the supervision of more experienced drivers. Your four-wheeler insurance will not accept your claim if you are driving by yourself under a learner’s license.
Secondly, the car driven by the learner’s license holder should have an ‘L’ painted on the front and back of the car. The ‘L’ should be clearly visible in red or white background. Your claim will be rejected if this condition is not met.
Besides meeting these primary conditions, there are a few other things to keep in mind while filing a claim on your four-wheeler insurance with a learner’s license. Let’s take a look at them too.
- Make sure you have a valid learning license. The validity of a learning license stays for 6 months from the date of issuance. Post that, you will have to apply for a new learner’s license or a permanent license.
- Check whether the damages that you are filing for are included under your four-wheeler insurance policy. Filing a claim for any damages that are under the exclusions category in the policy wordings will lead to claim rejection and waste of your time.
- If someone has been injured or someone else’s property has been damaged due to your car during an accident, you will have to file an FIR with the police. A copy of the same will be required by your insurer when you file a claim.
- Make sure that you have the other relevant documents with you- your vehicle registration certificate and the insurance policy documents.
- Make sure you are following all the driving rules and guidelines as set by the authorities.
We hope this article has helped you. Good luck!