Insuring A Learner Driver - Whats The Best Way

Imperial1847

My son is having driving lessons but is at the stage where he needs a little more road time, a relative has offered us the use of a small car but I wondered what was the best approach to getting him insured so we can take him out to practice, I don't have any private car insurance as I have had a company car for a good number of years.

Thanks.

400ixl

Is that car already insured by the owner? If so then maybe look at the on-top learner policies which give additional cover for the learner, but use the base insurance for everything else (Fire & theft etc).

If it is not insured by the owner then they would need to take out a full policy, which whilst a learner is often not too expensive.

Imperial1847

400ixl said:

Is that car already insured by the owner? If so then maybe look at the on-top learner policies which give additional cover for the learner, but use the base insurance for everything else (Fire & theft etc).

If it is not insured by the owner then they would need to take out a full policy, which whilst a learner is often not too expensive.

I think they do have some insurance on it, would I be able to take him out in it if we did it like that?

400ixl

Yes, but you wouldn't be able to drive. You could be added as a named driver to the main policy and then you would both be able to drive.

Ebe_Scrooge

Imperial1847 said:

400ixl said:

Is that car already insured by the owner? If so then maybe look at the on-top learner policies which give additional cover for the learner, but use the base insurance for everything else (Fire & theft etc).

If it is not insured by the owner then they would need to take out a full policy, which whilst a learner is often not too expensive.

I think they do have some insurance on it, would I be able to take him out in it if we did it like that?

Yes, in a nutshell.  As long as your son is cited as a named driver on your relative's policy, or has insurance in some form that covers him to drive that car (usually not too expensive whilst they're learning), he can drive.

As the previous poster said, remember that you wouldn't be able to drive, unless you were also added as a named driver.  Legally, the "supervising driver" doesn't actually need to be insured.  However, it's a good idea to get yourself insured - if your son panics, gets freaked out by a near miss or something, can't carry on driving for whatever reason, then you want to be able to jump into the driving seat to get home.

Car_54

Ebe_Scrooge said:

Imperial1847 said:

400ixl said:

Is that car already insured by the owner? If so then maybe look at the on-top learner policies which give additional cover for the learner, but use the base insurance for everything else (Fire & theft etc).

If it is not insured by the owner then they would need to take out a full policy, which whilst a learner is often not too expensive.

I think they do have some insurance on it, would I be able to take him out in it if we did it like that?

Yes, in a nutshell.  As long as your son is cited as a named driver on your relative's policy, or has insurance in some form that covers him to drive that car (usually not too expensive whilst they're learning), he can drive.

As the previous poster said, remember that you wouldn't be able to drive, unless you were also added as a named driver.  Legally, the "supervising driver" doesn't actually need to be insured.  However, it's a good idea to get yourself insured - if your son panics, gets freaked out by a near miss or something, can't carry on driving for whatever reason, then you want to be able to jump into the driving seat to get home.

Or, perhaps more importantly, to get the car out of the busy junction that freaked the learner out.

born_again

We used these when daughter was learning.

Meant it had no impact on my insurance should she have had a accident in my car. Unlike being a additional driver.

https://www.wearemarmalade.co.uk

Other companies are available