UK Driving Theory Practice Exam

What does standard insurance cover?

1. Covers only the vehicle owner

2. Covers the named drivers to drive a specific vehicle

3. Covers any driver for any vehicle

4. Covers only third-party claims

The correct answer is: Covers the named drivers to drive a specific vehicle

Standard insurance typically provides coverage for named drivers to operate specific vehicles. This means that individuals listed on the policy are legally permitted to drive the vehicle covered by the insurance. This arrangement ensures that only those who have been vetted and approved by the insurer are entitled to use the vehicle, thereby managing risk for both the insurer and the policyholder. In contrast, the other options detail circumstances that are not encompassed within standard insurance. For instance, covering only the vehicle owner limits the aspects of the policy to the owner, excluding named additional drivers. Allowing any driver for any vehicle falls under a broader category of insurance, generally termed 'driving other cars' or similar, which isn't standard practice and could lead to higher premiums due to increased risk. Lastly, covering only third-party claims describes a type of insurance known as third-party insurance, which does not cover damages to the insured vehicle itself, focusing instead on damages suffered by others in an incident caused by the policyholder. Thus, option B accurately reflects the scope of standard insurance coverage.