Insurance for provisional licence holder

chubsta

Scenario: daughter turned 17 last June but we were unable to get her learning to drive until January because of dvla delays. Has only had 3 lessons so won’t be passing her test anytime soon.
I bought a new family car in October as needed more room so currently have the old car, a Hyundai i10 sitting around waiting for daughter to pass test so she can have it.
unfortunately, due to the delay the car is about to run out of mot, tax and insurance, none of which I want to pay out for if I don’t have to, but I still need to drive it a bit to keep it in good shape so can’t sorn it.
so, I am thinking about transferring ownership to daughter and getting it insured for her as a provisional driver, I am guessing then she would be able to use the car for practicing in with a suitable person in the passenger seat. I could keep the car in my name and just add her to my insurance I guess but that would just limit her to driving with me, is that correct?
so, the question is - if she owns the car can she get her own insurance and practice with a suitable person? Would any months doing that count towards no claims discount when she passes her test? Any recommended insurers for this sort of thing? Anything I need to be thinking about as it all seems a bit too straightforward at the moment!

GrumpyDil

If you insure the car in your name and add her as a named driver you will not be able to use any NCB as that will be used on your other car (I assume).

If you do it that way she would be able to drive with any suitably licenced driver sitting with her.

If your daughter insures the car in her own name then that will also insure her to drive with any suitably licenced driving sitting with her. 

As soon as she passes any test most learner insurances need to be cancelled and a new insurance policy taken out. I believe there are some that will allow you to convert the policy on passing but I didn't find one when my daughter was learning.

As regards building up her own NCB again you would need to ask. My daughter passed her test after 6 months of having a car so it didn't give her any NCB but if it takes more than a year I think it would. 

Flight3287462

Try Collingwood, pay for a year up front for learner insurance, as soon as she passes her test you will get a refund on any unused months.

This what we are paying after she passed her test in a 1.2 Fabia Monte Carlo (Privilege)

400ixl

You don't have to be the registered keeper to be insured as the main driver, so no need to transfer the registration of the car.

Goudy

Collinwood will accelerate a learner drivers no claims bonus.
Insure for 10 months straight and they will give her 1 years NCB.

We used Collinwood when our boy learnt to drive. We got him his own little car and sat in with him after a few professional lessons.

I have to warn you, sitting in with a learner isn't an easy task, can be even worse with a loved one!
His mum found it a bit too stressful though him and me had a word together that we'd probably have some stressful events out on the road and we decided how we'd go about dealing with them. (ie yell and fight after we got home).

If you are going to insure a car in her name alone, make sure you have "drive other cars" cover on your own car policy.
Fully Comp policies usually let you drive other cars with third party cover, but check.
You might have to drive their car back yourself at some point.

GrumpyDil

Goudy said:
If you are going to insure a car in her name alone, make sure you have "drive other cars" cover on your own car policy.

Or make sure you are a named driver on your daughter's policy which we found reduced her quote by a fair bit. 

Sandtree

Flight3287462 said:

Try Collingwood, pay for a year up front for learner insurance, as soon as she passes her test you will get a refund on any unused months.

This what we are paying after she passed her test in a 1.2 Fabia Monte Carlo (Privilege)

Any reason to choose Privilege over Churchill when they are both Direct Line Group?


As to the OP... you could insurer it your name with your daughter as a named driver, whilst she is a learner its not a problem however if you continued this after she passed there would the question of "fronting" raised... ie is she really the main driver etc and you are declaring yourself as such to get a cheaper premium.