Can I keep my provisional insurance once I’ve passed

Lin788

So I have provisional license insurance on my mums car, I’ve just passed my test and was wondering can I keep the provisional insurance? My mum will be with me while driving. It would be for a few months until I get my own car. Or would this be illegal

Hasbeen

Lin788 said:

So I have provisional license insurance on my mums car, I’ve just passed my test and was wondering can I keep the provisional insurance? My mum will be with me while driving. It would be for a few months until I get my own car. Or would this be illegal

Your mother needs to change the policy to your being a named driver. She should speak to insurance company for any costs.

MovingForwards

No, you need insurance that reflects the fact you have passed your test.

If you fail to upgrade your/your mom's insurance and have an accident, or your mom does, the insurance company could ask to see both of your licences.

Upon seeing you have a full licence would be perfectly entitled to cancel your mom's policy, leaving her at risk of the insurance company paying the third party's claim and then pursuing your mom / you for the money.

Your mom would also need to declare she has has had an insurance policy cancelled and her premiums will rocket as there's only a small amount of insurers who do offer policies to those who have had it cancelled.

(My brother had to find over £5k for the first policy, over £4k for the next couple of years and several years later it now resembles normal prices).

Your / your mom's insurance will increase due to you being a higher risk of having an accident, due to just passing your test. As a learner, you are a lower risk due to having a qualified driver with you.

No, it won't make a difference having your mom in the passenger seat, you are now a driver who recently passed your test.

Lin788

Ok thanks I’ll do that