Learner/new driver insurance on another car

DianeM

Not sure where to go with this one.

First daughter was insured on my car through collingwood until she passed and then went on to buy her own car and insure it herself - job done.

2nd daughter (17 in 3 weeks) is going to use my dads car to learn to drive in and is also going to be the main driver once she passes her test however my dad (who is not driving at the moment because he is full time carer to mum who is house bound) wants to keep his insurance running so he doesn't lose his no claims - she can't be added to his insurance so they have agreed to cancel.

This technically means that daughter will be main driver but we also need to add myself and hubby as we will be sitting with her whilst she learns. If I go through collingwood learner scheme it will cost £300+ for 3 months and I would rather spend that against a proper policy for her - I don't want to leave myself open to be accused of fronting so i don't know how to cover all aspects.

She will be having lessons with an instructor

Dad is 84 yrs

Any advice would be appreciated and I hope I haven't missed anything out.

C u tonight hopefully with responses.
Di

Quentin

As long as any insurer is informed your daughter will be the main driver, there will be no problem re fronting.

Though she may have an issue about not being the owner/registered keeper of the car.

When talking to insurers make sure that they will continue to offer cover once she passes her test (some insurers are happy to insure learners but won't cover inexperienced/young full licence holders. Also try to get an idea of how much the premium would be once she passes!

patman99

You cannot have two insurance policies running on the same vehicle at the same time. You dad will not be able to keep his policy if your DD then insures it for herself.

If your DD does insure it, then I don't think you or you OH will need to be on the policy as you will only be supervising the learner. If your own car insurance policies allow you to drive another vehicle (this must be covered by an insurance policy), then you will be ok to drive your dad's car anyway.

Quentin

patman99 wrote: »

You cannot have two insurance policies running on the same vehicle at the same time.....

Who says...???

vaio

patman99 wrote: »

......If your DD does insure it, then I don't think you or you OH will need to be on the policy as you will only be supervising the learner. If your own car insurance policies allow you to drive another vehicle (this must be covered by an insurance policy), then you will be ok to drive your dad's car anyway.

Should be prefixed with “depending on what your policy says it might be that…….”

vaio

Generally your dad can let his policy lapse and retain his NCB for two years (but does vary between companies, a couple allow 3 years)

Generally, insurance for kids is v expensive, adding parents often reduces the cost and before you take a policy it’s worth finding out (preferably in writing) that they will continue to provide cover when she passes her test and also an indication of the likely cost.

Learners are accompanied, once the test is passed they are out on their own unsupervised and tend to have more accidents which makes them higher risk. Some companies will insure learners but won’t insure recently qualified drivers so you end up having to cancel the policy and find a new one. This can cost ££££

bouncydog1

The other reason for putting you on the policy is that if you have driving other cars cover on your own policy, it will be third party only.

Your father may not be prepared to take the risk of receiving nothing for his vehicle in the event of an accident.

Your best bet is to go and speak to a good local broker that knows their market as they will likely have relationships with insurers that are not accessible via the internet. The other thing might be to find out who your father's insurers are (the underwriter not the broker) and see if you can get a quote in your daughter's name for the vehicle. His insurers might offer competitive terms and will be fully aware of the reason why there are two policies on the vehicle.

As this is a non-standard risk because of the circumstances you have outlined, you need to discuss with the underwriter or broker on underwriter's behalf, as often call centre staff will not have the knowledge to deal with such queries.

Just be prepared to sit down before you get the price though - recent stories of new driver quotes on here have been high!:eek:

mikey72

If you take out a policy for your daughter as a learner, ensure the policy can be changed to cover her when she passes without having to pay an extortionate amount. A lot of insuers are not competitive on both, so you may have to change insurers anyway.
Have you looked at Collingwoodannual, they were much better than collingwood for us?

DianeM

Thanks to all.

The premiums offered if she held a full licence are approx £1300 and the £300 it would cost as a learner on a temporary insurance is £300 for 3 months so i would rather put this money straight to a fully comp insurer - who will cover her for both provisional and full driver.

I have already checked our policies and we are only insured 3rd party off the back of our own insurance to frive dads car so it's too risky.

we are both on daughter no. 1 insurance and it did save her about £400 so I am aware of this info.

I will take note of both lots of information regarding the broker and also making sure the policy can be converted from Learner to Full.
Thanks for all your help.
I have used Colingwood Learner for other DD and the £300 it will cost would be better put towards an annual if I can get one. Her policies are coming in at £1300 with both parents added, same as dd 1. Poor kid - she only works weekends at Home Bargains (2 x 4 hur shifts).
PS the black box insurances are coming in at £3,000 :eek:

bouncydog1

Depending on where you live, £1300 seems very cheap for a 17 year old newly passed driver - is this with her as the main driver on the vehicle and with no bonus?

Just ensure you ask all of the right questions to save a nasty shock later.

DianeM

yep, was the same for DD1 too. Same price whether learner of fully comp and definitely her as the main driver. I think generally it is the young boys who get high premiums which is a shame.
Excess is £500 to £650 same as DD1 too.
(Durham)