Insurance for a learner driver

barnez

Hi, my Daughter is buying her first car, she hasn't yet passed her test, but hopes to do so within the next 3 months. Can anyone recommend a policy that would cover her to drive the car with myself or a family friend accompanying her. I've tried several companies including Aviva. Ideally we don't want to have to pay for a full year as we don't anticipate it taking her that long to pass her test as she has had lots of lessons already and is a fairly competent driver. Short term car insurance will not cover us. Any suggestions gratefully received.

ValiantSon

Lots of insurers will insure her as the policy holder while on a provisional licence. You just need to try some more, although I am surprised that you have struggled so far. Perhaps the problem is that you seem to be confused about what happens when she passes her test. She would not need a new policy at this point: the existing one would continue, but she would need to advise the insurer (straight away) that she had now passed her test, as this is a material change in the insured risk. What she may well find is that her premium actually goes up once she has passed, because there is no longer a guarantee that an experienced driver will be supervising her while she drives.

Quentin

ValiantSon wrote: »

Lots of insurers will insure her as the policy holder while on a provisional licence. You just need to try some more, although I am surprised that you have struggled so far. Perhaps the problem is that you seem to be confused about what happens when she passes her test. She would not need a new policy at this point: .......

Take care over this.

Many insurers quite happy to cover learners aren't happy to continue cover once the test has been passed.

She should check that the chosen insurer will still offer cover to her once she passes

DCFC79

Maybe try Endsleigh, they used to cater for students.

BirnamBear

We used Marmalade as it is specifically learner driver insurance and you can buy 1 month,3 months,6 months etc.We found them reasonable and good.

Korkyb

I've just been through this process (daughter passed her test a couple of weeks ago).


I insured her through Adrian Flux - I did this for a full year as she had just turned 17 & we weren't in a rush for her to pass - This cost us just under £400.

When she passed the insurance automatically stopped although they do give the opportunity to reinsure her as a new driver (they were very expensive compared to others for this).


I would be wary of entering a contract where she is committed to continue with them after passing her test - they would have you over a barrel with regards to what increase they charge in the premium.


New driver insurance is generally way (WAY) more costly than learner insurance & the cheapest learner insurance may not be the cheapest new driver insurance....


When it came to insuring my daughter as a new driver in her own wee car I ended up adding her to the multicar policy (? policies) that I already had for my wife & my cars (it is Admiral). This beat the next cheapest quote by around 35%.


I also found that the annual mileage on her policy made a huge difference to the premium. Knocking it down from 7k to 6k saved around 15%

forgotmyname

I got quotes around £400 for my daughter to be insured on her own car as a learner, but they would not add additional drivers.

You maybe able to drive it with 3rd party cover on your own policy but check. And any damage you cause wont be covered.

I find putting the mileage at less than 4000 increased the premium.

The issue with that policy was it would have ended the same day she passed her test. So she would need alternative insurance the next day.

We spent the money on lessons instead.

Jlo31

Ok if she is buying her own car then the learner add on policies (like Aviva, admiral etc) won't work if the car is just registered in her own name and has no other Insuramce on it. Their great if you want short term insurance to learn in a freinds or parents car though.

I believe Collingwood learner insurance gives you the option for temporary insurance on your own car and then the insurance is registered to ASKMID database. I'm a instructor myself and if you use discount code for Collingwood insurance 417663 it will give you a discount on the price to.

As the other post said try marmalade Insuramce to for a quote.

Cheers

James

Quentin

BirnamBear wrote: »

We used Marmalade as it is specifically learner driver insurance and you can buy 1 month,3 months,6 months etc.We found them reasonable and good.

Marmalade is not normal car insurance and won't work in this situation

(It's learner driver insurance, which covers the learner whilst driving other people's cars thus not having to be added to the car owners policy (ensuring any claims don't impact the owner's NCD etc)

qsk

I am in a similar situation and after some research decided on this (there were some threads on this in the Motoring forum):
www.coveredondemand.com/learner/options
It costs around £80 to drive 28 days in a 90-day period under supervision. As a dedicated learner insurance, It terminates the second on passing the test.

rudekid48

qsk wrote: »

I am in a similar situation and after some research decided on this (there were some threads on this in the Motoring forum):
www.coveredondemand.com/learner/options
It costs around £80 to drive 28 days in a 90-day period under supervision. As a dedicated learner insurance, It terminates the second on passing the test.

That's no good for this scenario as the car has to be insured already...

Q:
Does the car need to be insured elsewhere?
A:
Yes. The registered owner/keeper of the vehicle must have a current motor insurance policy in place on the vehicle you are practicing in.