Car insurance help for provisional driver

NJG_2

Hi guys,

I'm a provisional driving license holder desperate to pass my test. I can get insured on one of my parents car policies for a £20ish adjustment fee plus £3.

The rules are that I must have someone in the passenger seat who's held their full license for more than 3 years aged over 21 but what are the insurance implications for them if they had to take over the driving in an emergency or what happens if I crash even on a fully comprehensive policy??

I'm told if the passenger had to take over there might be insurance issues??

Can anyone advise???


Please help!!!

mikey72

NJG wrote: »

Hi guys,

I'm a provisional driving license holder desperate to pass my test. I can get insured on one of my parents car policies for a £20ish adjustment fee plus £3.

The rules are that I must have someone in the passenger seat who's held their full license for more than 3 years aged over 21 but what are the insurance implications for them if they had to take over the driving in an emergency or what happens if I crash even on a fully comprehensive policy??

I'm told if the passenger had to take over there might be insurance issues??

Can anyone advise???


Please help!!!

If you crash, one of your parents will be down their ncd, and they won't like you as much for a while.
Only insured drivers can take over, so it will have to be a named driver, or someone who can drive other cars (third party), on their own insurance.
Some policies do cover the supervising driver in an emergency, but make sure it's actually in the t&c's if that's what the insurers tell you.

atrixblue.-MFR-.

by your self a cheap run around 1.0 12v corsa, get your mum/dad on as a named driver or both where applicable, you will then build your own NCB.
direct line tesco and a few others do let named drivers build their own NCB provided that they "link" the policy of your own and the policy holders insurance together in order for you to have the discount and NCB added to your own policy after 12 months claim free. some insurers are absolutly strict as hell when it comes to having a provisional driver on as named driver, do your research with the insurer see if anyone has had any problems with them under your curcumstances as a prov holder. i know that some insurers will not cover named drivers to supervise a learner only the policy holder, so if dad is policy holder mum is named driver mum wont be able to sit next to you with some insurers. in emergencie's where by the policy holder isnt able do drive some insurers will allow a prov driver to drive in an emergency BUT as the law states, you need a person supervising you and what deemed an emergency by you may not be deemed an emergency by police and you may incure 3 penalty points for driving not in accordance with a provisional licence. basically you drive at your own risk in an emergency situation.

mikey72

Who's going to be supervising you normally? If they're not on your parents policy, see how much it costs to include them as well, if it's not a lot extra it the best route to avoid any problems that could happen later.

NJG_2

mikey72 wrote: »

Who's going to be supervising you normally? If they're not on your parents policy, see how much it costs to include them as well, if it's not a lot extra it the best route to avoid any problems that could happen later.

Mostly friends who've all been driving for over 3 years aged well over 21.

I just want to make sure that I'm covered both legally and by insurance to have them as a passenger as the rules suggest, and if they needed to take over that the car/driver was fully covered.

wealdroam

NJG wrote: »

Mostly friends who've all been driving for over 3 years aged well over 21.

I just want to make sure that I'm covered both legally and by insurance to have them as a passenger as the rules suggest, and if they needed to take over that the car/driver was fully covered.

Why would they need to take over?

mikey72

wealdroam wrote: »

Why would they need to take over?

My brother used to lose his temper, get out and walk home, leaving my dad to bring the car back.:rotfl::rotfl::rotfl:
(He's the calmest person in the world now)

There's a few places where a learner may not be confident though.

anewman

Just use a driving school. I'll bet the percentage who fail the test is higher in those who don't.

Tinks74

anewman wrote: »

Just use a driving school. I'll bet the percentage who fail the test is higher in those who don't.

Maybe the OP is wanting supervision to practice in addittion to lessons.

I used to drive around with my dad for hours while I was learning. He wasn't overtly teaching me the odd hint here and there, but really just enabling me to practice what I'd been taught in lessons and giving me experience driving on the road.

I thought it was great, gave me a huge amount of confidence to be navigating myself in live traffic situations.

I've often thought it would be a good service to provide to learners, supervised time on the road without the expense of an actual lesson.[

heronfolder

NJG wrote: »

Mostly friends who've all been driving for over 3 years aged well over 21.

I just want to make sure that I'm covered both legally and by insurance to have them as a passenger as the rules suggest, and if they needed to take over that the car/driver was fully covered.

If whoever is supervising you, needs to drive your car, then they will need to either:

a) be insured to drive other cars (usually this is 3rd party only)
b) be a named driver on your car

mikey72

heronfolder wrote: »

If whoever is supervising you, needs to drive your car, then they will need to either:

a) be insured to drive other cars (usually this is 3rd party only)
b) be a named driver on your car

Some insurance policies do cover any driver supervising a learner who is named on the policy, in an emergency, to move the car, or drive it home.
It needs to be checked in the t&c's though.
(as to an emergency, that could be anything, stalling on a busy junction, - after 5 minutes, do you get out and punch the white van driver behind, or simply move the car yourself, or the reverse parallel parking that is now firmly embedded sideways on the pavement, 5mm from the car in front?)