Collingwood Insurance Jargon Buster
Learning to drive and getting insurance can be a confusing time with so many new words and terms thrown at you at every turn. We have put together this helpful jargon buster to help you understand key terms relating to your policy.
Pass Plus is a practical training course (once you have passed your driving test) that takes at least 6 hours. It is for drivers to improve their skills and drive more safely. Pass Plus may help you get a car insurance discount if you successfully complete the course.
PDI stands for Potential Driving Instructor. This is a trainee driving instructor. They are currently still in training, working towards becoming an ADI.
If you commit a motoring offence you may get points on your licence. If you get 12 or more points this will result in a driving ban. You can get penalty points on a provisional licence. Depending on the type of offence and how many points this could impact your ability to take out insurance.
Personal Accident cover is an add-on for you insurance policy. It covers you and your passengers in the event of loss, damage, death or bodily injury caused by a road traffic accident whilst driving.
Policy documents will be provided by your insurance provider. This will outline, terms and conditions, proof of cover and other important documents. If you are insured with Collingwood you will be able to download these at any time by logging into your account.
A policyholder is a person or group in whose name an insurance policy is held. This will identify who is insured on the insurance policy.
A practical driving test is taken with the DVSA to see if you are able to become a full licence holder. During this test you will be assessed on your driving knowledge and safety. If you pass you will become a full licence holder and be able to drive independently.
Your learner driver policy will be invalid as soon as you pass your practical driving test. Be sure to cancel your policy and do not drive the vehicle until you are insured as a full licence holder.
Private practice is getting more driving experience with a supervising driver. In order to get private practice the learner driver must have their own insurance policy or be added as an additional driver on the car owners insurance.
A Protected No-Claims Bonus allows you to have a certain amount of “at fault” accidents without affecting the bonus. So if you have an accident, the NCB remains intact even if the insurer can’t claim any costs back.
Provisional cover is also known as learner driver insurance. In is a type of insurance policy that allows provisional licence holders to get private practice with a supervising driver.
A provisional driving licence is an official document that gives you permission to drive on the UK roads, whilst under the supervision of your driving instructor or a supervising driver. Who is over the age of 21 and has held a valid driving licence for 3 or more years. In order to drive you must be insured or working with a driving instructor who is insured to teach a learner driver.