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What auto insurance for accompanied or supervised driving?

Verified 10 janvier 2020 - Directorate for Legal and Administrative Information (Prime Minister)

You must apply to your insurer or insurance company for an extension of warranty on your contract if the accompanied (or supervised) driving is not already covered by your auto insurance contract.

Report it as soon as the apprentice driver's car school enrollment, without waiting for the start of the accompanied (or supervised) driving phase.

This extension does not cause a premium.

If you accept this new risk, the insurance will change your contract by way of an amendment. This is a document that adds a new provision to your contract. The name of the new driver in apprenticeship will be mentioned in your auto insurance contract.

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

The insurer may, however, refuse to give this guarantee if you have been convicted of certain offenses:

  • Homicide and involuntary injuries
  • Driving under the influence of an alcoholic condition
  • Leak offense
  • Refusal to obey order to stop
  • Driving during suspension or cancelation of license.

The insurer may also refuse to insure the new learner if he or she considers that the driver's conduct is too high risk. 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 the matter to the insurance ombudsman..