Learner onto my insurance

212

I'm aware you can add a learner on a daily/weekly basis etc.

I've looked at adding a learner onto my comprehensive insurance as an additional driver and it's only about £100 more for the year.

Getting a separate policy seems to come to a lot more than that.

As a separate policy I understand I have the protection - e.g. if they crash it, it affects their driving record (they declare it in future etc). If I added them on to mine, does that mean any crash by them affects us both? As they presumably still must declare, and a claim has been made on my policy?

Not sure what the best way to go about it is. A daily policy would be good (so in advance you specify say 15th December, 20th December, 28-30th Dec) but I understand they're expensive?

paddedjohn

If you insure them on your policy and they need to claim then yes that will affect your policy now and in the future.

ilikewatch

I thought most policies were void if more than one policy was in place? (I could well be wrong though, but seem to remember reading this in the small print at some point). Also, don't most policies require the policyholder to be the registered keeper, which you couldn't both be?
Maybe specialist learner policies are different?

Aretnap

It's perfectly allowable to have two policies on the same car, there's just usually not much point as you can only claim once in the event of an accident. However companies like Marmalade offer separate policies for learners which can be a useful ootion.

If the learner is on your policy and has an accident you'll have to declare the loss in future and your no claims bonus will be affected. If he has his own policy you'd still have to declare the loss, which may have some effect on your premium, but your no claims discount wouldn't be affected as the claim would not be on your own policy.

londonTiger

you are responsiblle for the learner so it's as if you were in the driving seat when accident occured. So it affects your insurance record.

londonTiger

i imagine the premium increase required to cover a learner may be too off putting. A proper instructor should only charge £20 an hour. A typical learner driver requires 35 lessons to be proficient enough to pass.

That's a total premium increase is more than £700 just get them to take lessons. Will save you a lot of time and stop them from picking up bad habits that you've already picked up.

Jamie_Carter

londonTiger wrote: »

i imagine the premium increase required to cover a learner may be too off putting. A proper instructor should only charge £20 an hour. A typical learner driver requires 35 lessons to be proficient enough to pass.

That's a total premium increase is more than £700 just get them to take lessons. Will save you a lot of time and stop them from picking up bad habits that you've already picked up.

It was going to add about £700 to add my daughter to my policy. And that is about the same as it would cost her to insure her own car fully comp. So she bought a car and insured it herself (with me as a named driver). This way she is building up her own no claims discount, and there is no risk to my car or policy.


It was a no brainer as she had the money to buy a car.

paddedjohn

Jamie_Carter wrote: »

It was going to add about £700 to add my daughter to my policy. And that is about the same as it would cost her to insure her own car fully comp. So she bought a car and insured it herself (with me as a named driver). This way she is building up her own no claims discount, and there is no risk to my car or policy.


It was a no brainer as she had the money to buy a car.

This is exactly what I did with my daughter, by the time she passed her test she had 1years ncd which helped bring the cost down immensely when she renewed her policy with a full licence. The only thing to watch out for though is that online compare sites can't recognise the 1 years ncd and the fact she had only just passed her test so you need to call the insurance companies to explain things.

Quentin

londonTiger wrote: »

you are responsiblle for the learner so it's as if you were in the driving seat when accident occured. So it affects your insurance record.

Not so.

The "supervisor" of a learner driver doesn't even have to be covered by any insurance, and certainly doesn't have to disclose any incidents which happen when a passenger and the learner is driving.

212

Aretnap wrote: »

It's perfectly allowable to have two policies on the same car, there's just usually not much point as you can only claim once in the event of an accident. However companies like Marmalade offer separate policies for learners which can be a useful ootion.

If the learner is on your policy and has an accident you'll have to declare the loss in future and your no claims bonus will be affected. If he has his own policy you'd still have to declare the loss, which may have some effect on your premium, but your no claims discount wouldn't be affected as the claim would not be on your own policy.

Thanks. So getting hit twice under my policy if there was an incident is certain to happen - presumably that's why it's so cheap to add them on (£121 I think it was) because I have something to lose as well as them.

Their own policy based on a Corsa (my old car) was quoted by one specialised website as £600 for a year - my car is newer & higher group so can imagine it being a lot more for them to go on mine.

Some websites were offering policies for say £80 for one month at a time. £65 for 14 days. Wondered if there were any say £5 for 1 day websites people knew of, then could do say random days, plus a 1 month later on.

Totally agree about instructors & bad habits though - drives with me would certainly be in conjunction with an instructor!

Maybe £80 for the month before the test could be good (approx cost of 4 learner hours, but could easily have 20+ with me), just to perfect everything going round test routes etc - my biggest hate was paying for lessons to drive round routes I knew - then I got taken on a different route!!

Quite wary of the whole idea anyway because I know some people are idiots around learners (the amount of people I've seen tailgating learners is ridiculous) - last time I'd want is them to be in a crash with me, regardless of cost etc - it's the emotional consequences

Thanks everyone

Aretnap

londonTiger wrote: »

you are responsiblle for the learner so it's as if you were in the driving seat when accident occured.

That's not correct. The supervisor would generally not bear any responsibility for an accident, unless the he was negligent in some way himself. For example by saying "you should always take roundabouts as fast as possible", or perhaps by taking a learner round Piccadilly Circus at rush-hour when the learner had barely mastered driving in a straight line on an empty road.

Quentin wrote: »

The "supervisor" of a learner driver doesn't even have to be covered by any insurance, and certainly doesn't have to disclose any incidents which happen when a passenger and the learner is driving.

Though if the supervisor's car was damaged in an accident, that would still be a loss which he'd have to disclose wouldn't it, regardless of who was driving and who was insuring them? Assuming the insurer asked about "losses", of course.