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Accompanied driving: what insurance for the escort?

Verified 13 January 2023 - Directorate for Legal and Administrative Information (Prime Minister)

If you would like to help a relative prepare the permit via one of the forms of accompanied driving (early learning, supervised driving or supervised driving), you should check if your insurance policy allows it.

If this is not the case, you must ask your insurer to extend your coverage.

You can apply to your insurer as soon as the new driver enrols in the car school, without waiting for the start of the driving phase.

There is no additional cost associated with this warranty extension.

If this new risk is accepted, the insurer will modify your contract by writing a attractive. The name of the driver will be mentioned in your car insurance contract.

The new driver will then be able to benefit from the guarantees provided for in the contract.

However, the insurer may refuse to provide this guarantee if you have been convicted of certain misdemeanour ::

  • Homicide and Involuntary Injuries
  • Driving under the influence of an alcoholic state
  • Leakage
  • Refusal to comply with stop order
  • Driving during suspension or cancellation of driving licence

The insurer may also refuse to insure the new learner driver if he or she believes that the driver's driving is too risky. You will then have to find another insurer that agrees to cover it.

But, if you feel that the insurer's refusal is not justified, you can refer matter to the insurance ombudsman.

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