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Learner Insurance (plus named driver on existing policy)
KatieDee
Posts: 710 Forumite
My husband is currently learning how to drive, in preparation for our new arrival in March. Due to Covid, his driving lessons have been put on hold until December and he is keen on not losing too much experience in the meantime. He is doing incredibly well so far and his instructor is confident that if he can book his test in before March, he should be able to pass.
He is currently a named driver on my policy and has been for two years. It didn't cost much more to add him on and although he has only recently started to learn to drive, always had plans to start earlier so it made sense. I don't really want to go to the hassle of removing him from my policy as I understand there will be admin fees. However, if he was to have a bump or an accident and had to claim via our policy, I know this may affect my no claims. I have 9 years no claims so am obviously quite keen on keeping them!
We've been looking into temporary learners insurance, which seems reasonable at £79 per month. I would be more than happy for him to purchase this so if he does have an accident, he can claim via this. The only problem is...I'm finding it very difficult to confirm whether you are able to have insurance in your own name, as well as be a named driver on a policy, if it is all on the same vehicle.
I've scoured the terms and conditions of the learner insurance policies but cannot find an exemption for people who are named drivers. Does anybody have any first hand experience of this? I wouldn't want him to have an accident, go to claim on his learner insurance but be told it needs to be made on the main policy? I know if he had an accident, he would need to declare this when getting a quote in his own name going forward but in the time being, I would want him to make the claim on his own insurance, thus not affecting my no claims.
Or...am I just better whipping him off my insurance for the time being and telling him to get his own?
TL;DR - husband learning how to drive, currently named driver on my policy. Can he get an additional learner driver policy out in his own name or does he need to be removed from my policy first?
He is currently a named driver on my policy and has been for two years. It didn't cost much more to add him on and although he has only recently started to learn to drive, always had plans to start earlier so it made sense. I don't really want to go to the hassle of removing him from my policy as I understand there will be admin fees. However, if he was to have a bump or an accident and had to claim via our policy, I know this may affect my no claims. I have 9 years no claims so am obviously quite keen on keeping them!
We've been looking into temporary learners insurance, which seems reasonable at £79 per month. I would be more than happy for him to purchase this so if he does have an accident, he can claim via this. The only problem is...I'm finding it very difficult to confirm whether you are able to have insurance in your own name, as well as be a named driver on a policy, if it is all on the same vehicle.
I've scoured the terms and conditions of the learner insurance policies but cannot find an exemption for people who are named drivers. Does anybody have any first hand experience of this? I wouldn't want him to have an accident, go to claim on his learner insurance but be told it needs to be made on the main policy? I know if he had an accident, he would need to declare this when getting a quote in his own name going forward but in the time being, I would want him to make the claim on his own insurance, thus not affecting my no claims.
Or...am I just better whipping him off my insurance for the time being and telling him to get his own?
TL;DR - husband learning how to drive, currently named driver on my policy. Can he get an additional learner driver policy out in his own name or does he need to be removed from my policy first?
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Comments
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Normally if there are two insurances covering the same thing the liability would be split between the two.0
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