What Does Driving Test Insurance Cover?
2 Answers
Driving test insurance covers the cost losses of failing exams, retakes, and re-enrollment fees, as well as accidental injuries during the learning period. Below is relevant information about driving test insurance: 1. Pre-purchase Notes: Must be purchased at least 8 days before the first attempt at Subject 2; cannot be purchased after passing Subject 2. No claims for absences or scoring 0 in theory exams; claim amounts are paid according to regional standards. Required for application: ID number, name, phone number. Required for claims: front and back photos of ID card, front and back photos of bank card for receiving payment, 12123 account and password, full-screen screenshot of the failed exam page on 12123. 2. Relevant Details: (1) Retake Coverage: During the service validity period, if the insured student fails any single exam (Subjects 1, 2, 3, or 4) of the motor vehicle driver's test, the insurance company will compensate up to 100% of the local exam fee as per system records, providing cumulative cost compensation as per the contract. (2) Relearning Coverage: During the insurance period, if the insured student fails to pass Subject 2 or Subject 3 in 5 consecutive exam attempts (insurance must be purchased before the first attempt), according to national 'Regulations on the Application and Use of Motor Vehicle Driver's Licenses,' other passed subjects' results will be invalidated. The insurance provides cost compensation for re-enrollment and training fees paid to the driving school, as per the contract.
Driving test insurance primarily covers the risks you may encounter during the process of obtaining a driver's license, such as financial losses caused by failing the test. Having driven for ten years, I've experienced these situations firsthand—failing a test means additional expenses for retakes, and the insurance can offset some of the retake fees or study material costs. It may also include accident coverage, compensating for medical expenses in case of minor accidents during the test, like slipping on the course or injuries from improper operation. More importantly, knowing there's insurance backing you up can ease psychological pressure, helping you stay relaxed and perform better. I advise new drivers to carefully review the terms when choosing a policy, checking if it includes cumulative compensation for multiple failures, and to avoid unreliable companies that waste your money. Remember, the purpose of insurance is to reduce test anxiety, not to become a burden—taking time to compare different products is definitely worthwhile.
