Please point out any flaws in my plan!

ali99

I’m hoping I have come up with something brilliant but I would love for you all to point out any flaws in my plan.

My daughter is 17, has her provisional licence, has had a few lessons and is keen to get some practice in my car so I have been investigating insurance, which of course is huge once they pass their test. We live in a town, my daughter walks to school and can walk or bus everywhere else she goes. She will have another year of school and then is hoping to go to university. So currently, and in the near future, she has no need to drive anywhere. I don’t really see the point in her passing and then not driving for several years and then needing refresher lessons, though that would be the alternative to my plan.

So, would there be any downside in her not taking her test and staying on provisional? Obviously she then can’t drive on her own, but she could drive everywhere we go together, so she would gain lots of experience. She could then do a few refresher drives with me in the university holidays. Then she could take her test just before she needs to drive, at which point hopefully she would be working and dealing with her own car purchase and her own insurance?

Other than not being able to drive without a passenger over 25, are there some drawbacks to this plan I haven’t thought of? And I was looking at covered on demand for provisional cover but are there any companies where she could build up no claims while on provisional? And I don’t want anything to affect my no claims!

Thank you for any advice or comments.

oldernonethewiser

Your daughter could get her own learner insurance which doesn't affect yours. There are links and details on the main MSE site.


This can only be had for a maximum time though so it is not an ongoing thing, unless constantly renewed (if that is possible)

marlot

When she comes to take out insurance in her own name, one of the questions will be how many years is it since she passed her test.

I know a few young people who are taking their test at 17, but not intending to buy a car until after university.

ali99

So are you both saying she should pass her test while she is 17 and then start driving again after university?

oldernonethewiser

Nope.


I am saying she should pass her test when she needs to.


One of my relatives got his provisional at 17 and then realised he didn't need to drive.


Passed at 22 when he sat his one and only test.

Nobbie1967

I don't think a few trips with you in the car is going to help her pass a driving test at some point in the future unless you're a driving instructor. More likely to develop bad habits that have to be unleRned before taking a the test. Best to just get on and pass the test now and then when she does get a car, have a couple of lessons just to reacquaint herself.

The trips you do together in the meantime, you can drive as with only a provisional license, you would need to be in the car anyway with your plan.

ali99

Nobbie1967 wrote: »

I don't think a few trips with you in the car is going to help her pass a driving test at some point in the future unless you're a driving instructor. More likely to develop bad habits that have to be unleRned before taking a the test. Best to just get on and pass the test now and then when she does get a car, have a couple of lessons just to reacquaint herself.

The trips you do together in the meantime, you can drive as with only a provisional license, you would need to be in the car anyway with your plan.

I wasn’t meaning for me to instruct her, I was meaning the driving instructor can get her to a standard where she could pass her test, then she drives on provisional to keep up her skills, rather than potentially four years of not driving at all.

oldernonethewiser

I think the issue will be the insurance, if you are looking for something that doesn't impact yours.

chrisw

I guess it depends on your daughter as well.

Mine wanted to pass her test and get a car even though she was at uni. She could probably have manged without but she paid for it all and it was useful experience for when she finished and got a job.

Car_54

marlot wrote: »

When she comes to take out insurance in her own name, one of the questions will be how many years is it since she passed her test.

I know a few young people who are taking their test at 17, but not intending to buy a car until after university.

Exactly. If she passes now and wants to start driving when she's 24, say, she'll have five years "experience " with no accidents or convictions. Her insurance premiums will reflect this.

ali99

Car_54 wrote: »

Exactly. If she passes now and wants to start driving when she's 24, say, she'll have five years "experience " with no accidents or convictions. Her insurance premiums will reflect this.

Even if she hasn’t driven for those 5 years?