insurance for leaner driver ?

shaynemawer

hi all, got my girlfriend (she's 30)who's currently taking her driving lessons and is getting close to taking her test a 2004 micra (same car as her lessons are in) her driving instructor said it would be good if she could get out in it just to give her more driving time and practice. my question is what would be the best way to insure the vechicle to make sure everything is legal? as this is a little new to me as i've only ever insured cars for me.

thank you
shayne

worried_jim

I wish I was a leaner driver- I could do with losing a few pounds.

Nilrem

If you want to insure her to drive your car you just add her as an additional driver letting the insurance company know she's a learner.
IIRC when I did it for my sister on my car a few years back it only cost the admin fee.

From memory the main thing is that both she and the person who is acting as her instructor should be insured on the car, and the insurance company must be informed she is a learner.

It may get more expensive when she's passed her test (you must inform the insurance company when she passes), and is able to drive the vehicle unaccompanied.

motorguy

worried_jim wrote: »

I wish I was a leaner driver- I could do with losing a few pounds.

Was thinking that too when i seen the title. Thought maybe the O/P was expecting insurance to be cheaper if you lost weight?

shaynemawer

Hmmm, didn't realise it said leaner lol. She won't be insured on my car, it'll be a seperate car so is it ok for me to insure the car under her name, adding that she has a provisional licence and add me as a named driver and the I can sit with her while she's driving. Is that the correct way ?

Nilrem

shaynemawer wrote: »

Hmmm, didn't realise it said leaner lol. She won't be insured on my car, it'll be a seperate car so is it ok for me to insure the car under her name, adding that she has a provisional licence and add me as a named driver and the I can sit with her while she's driving. Is that the correct way ?

Yup, that should be fine - I've heard it suggested that the accompanying driver doesn't need to be on the insurance, but for some reason that's never rang true (as the accompanying driver may need to take over driving, and better safe than sorry).

forgotmyname

The cheaper learner policies i found wanted the car registered to the learner and no additional drivers.

£400 for a 17 year old girl, Fully comp for a year.

Adding me on the car took the premiums closer to £900.

paddedjohn

Insuring her car in her name gives her a start on earning ncd ready for when she passes her test and her premiums rise.

Guest101

Nilrem wrote: »

Yup, that should be fine - I've heard it suggested that the accompanying driver doesn't need to be on the insurance, but for some reason that's never rang true (as the accompanying driver may need to take over driving, and better safe than sorry).

If she is the owner of the vehicle, and is insured to drive. and the accompanying driver (non commercial) is covered by his comprehensive policy to drive any other vehicle at 3rd party cover, then they do not need to have insurance in place.

I believe quinn direct specialise in learner drivers, but may not be the cheapest.

shaynemawer

paddedjohn wrote: »

Insuring her car in her name gives her a start on earning ncd ready for when she passes her test and her premiums rise.

i was actually thinking about this and wondered if the ncb started from when you first took the policy out. what happens when she passes her test, do i ring up insurance company inform them, then pay the difference in price off insurance. had a quick look on comparison sites and have a quote at £421 to insure her on a provisional licence (policy in her name) and me as an additional driver. girlfriend on her own is £583 lol.

forgotmyname

Some insurers may not accept no claims earned as a learner. You will need to phone and speak to insurers or a broker directly.

Comparison sites wont be any good.

Watch the price different it maybe HUGE... Cheap as a learer but maybe over £2000 when they pass.