Insurance for provisional holder

paulofessex

Hi all
Looking for advice please.

My partner is a provisional licence holder, l rang my insurer today with the hope to get her added to my policy as she is currently learning to drive and would of course benefit from extra practice in our car etc.
My insurer would not accept her, they mentioned that she does not fit the underwriters criteria. Just to add that she has no convictions/claims and has held licence for 12 months.

Is it possible to obtain a policy in her own right with an insurer but this would mean the one vehicle would have 2 policies attached to it. If so what type of insurance should l look for.

Many thanks

bizzybee

Google Marmalade! Sounds weird but it's what my daughter's friends are using.

takman

rich13348 wrote: »

She can drive the car if you are in the car with her as you will be considered the responsible driver so no need for her to be on the insurance. Technically.

I think that is the stupidest comment i have ever seen!. Of course a provisional driver needs insurance, if they didn't then why would anyone pay extra to add them as a driver. lmao

Aretnap

rich13348 wrote: »

She can drive the car if you are in the car with her as you will be considered the responsible driver so no need for her to be on the insurance. Technically.

Ignore this. It is utter nonsense. Of course she needs insurance to drive.

There is no problem with having two policies on the same car and indeed many companies do offer a specialist policy to allow a learner to drive a friend/family member's car without being added to their own policy. Marmalade are one of the better known ones, but if you Google "learner driver insurance" you'll find others to look at too.

paulofessex

Thank you for the responses, l will certainly have a look at your suggestions.

Quentin

rich13348 wrote: »

She can drive the car if you are in the car with her as you will be considered the responsible driver so no need for her to be on the insurance. Technically.

You have got this idea completely the wrong way round.


The supervisor doesn't need any insurance, the driver of course does!

rudekid48

rich13348 wrote: »

She can drive the car if you are in the car with her as you will be considered the responsible driver so no need for her to be on the insurance. Technically.

Jeez, please ignore this. Absolutely stupid advice.

paulofessex

Update: After looking into it further l have l believe come up trumps.

I will be cancelling my current insurance costing a fee of £55 (esure) and obtaining cover via Kwik Fit for fully comp for myself and my partner as a provisional holder for only £274 per year that includes windscreen etc and only £150 excess, my current policy cost me £291.

Looking into the Learner Driver Insurance as suggested resulted in prices ranging from £200-£300 for just 3 months cover.

Thanks again for your advice

Iceweasel

That sounds unbelievably cheap.

There may well be a catch.

Get a copy of the terms and conditions - especially the exclusions and check carefully.

I wouldn't trust Kwik Knit to be totally upfront.

Aretnap

Good result. Insuring a learner can often be cheaper than you'd expect. While they're not very experienced they do tend to drive reasonably carefully, so they don't have as many accidents as you might imagine, and when they do have accidents they're more likely to be low speed prangs than high speed head on smashes.

The catch is that the premium is likely to rise substantially when she passes her test, so you might have the same problem again in a few months time if you want to keep her on your policy. This sounds counter-intuitive at first, but consider that a learner has a (hopefully) mature, experienced driver next to them saying "slow down, watch out for this cyclist...", while a newly qualified driver is not necessarily any better a driver than he/she was just before taking the test, but does (potentially) have four young mates in the car saying "how fast can you go round this corner then?"...