There are mixed reviews in the market whether the insurance for the cars should be given to the learners or not. Many extensive session of debates have been conducted in the entire state but still the conclusion has not been drawn clearly whether to give insurance on cars to the learners or not. In this context some companies agree to the fact that the insurance can be provided to the learners whereas a lot many think that providing insurance on cars to the learners is like landing their company into a huge loss.The major drawback with this type of car insurance where the learners are the owners of the cars, the premium rates charged are very high. The reason for this is that as the numbers of companies interested in giving the insurance on cars for the learners are limited, therefore the competition existing in the market also gets lowered. Due to this fact the chances for getting the lowest premium rates also get least.The companies providing the car insurance to the learners keep a condition in front of the drivers that in order to get their car insured from the company they would have to get a driving certificate separately from the company. For this purpose the learners interested in getting the car insured have to shed out extra money to the company. This step is considered as an important one as these drivers are always more prone to meet with an accident. Therefore in order to lower the chances of payment of insurance by the companies, this step is considered as an important one which can not be avoided in any condition.Finally after the learner has completed the driving test as conducted by the company and an individual has successfully received the driving certificate then he can easily get the car insured with a benefit that now the premium rates charged on the insurance plan will be similar to the ones given to a normal driver.In case an individual does not wishes to go through all these tedious steps then the best alternative is to go for the 'third party insurance plan' often offered by the government institutions. This plan only covers the required insurance so the premium rates are the lowest. So at last it is the consumer who has to decide, which plan to select.