Learner car insurance - new car 15 April at 4:01PM in Insurance & life assurance 7 replies 167 views

katies_mum

Hi, please can anyone help with some advice?
My daughter is due to take her driving test in 6 weeks, today she has seen a car she really likes but we are not sure what she needs to do with regards to insurance and how it will work if the car is purchased before she has passed her test.  The garage is less than a mile from home and they have said they would bring the car home for her and it could be kept on our drive. This is great, but then surely it would still need to be insured somehow.   We are so confused, please can anyone offer any help?  thank you so much 

dunstonh

 This is great, but then surely it would still need to be insured somehow.   

Correct

She would need to purchase insurance now and then notify the insurer when she passes.  Expect the premium to jump significantly when she passes.

Muskey

Declare it SORN, then it needs neither tax nor insurance until it is put on a public road again……but damage done on the drive in the meantime will be uninsured.

DullGreyGuy

If it's on the driveway it can be SORNed and so no tax or insurance legal requirements. In principle fine but obviously an issue if its stolen etc.

You can buy "laid up"/ SORNed insurance that covers fire, theft but not third party liability to cover it. Its a niche product and as a consequence more expensive than it should be but less expensive than a newly qualified driver

katies_mum

Thank you for taking the time to reply, have been looking into this and she is taking out learner insurance with Veygo by Admiral for 6 weeks (until her test) and will enable her to get some more practice in along side her driving lessons.  Then fingers crossed if she passes will look for comprehensive insurance in her name with me or her dad on the policy as another driver.  

tacpot12

katies_mum said:

Thank you for taking the time to reply, have been looking into this and she is taking out learner insurance with Veygo by Admiral for 6 weeks (until her test) and will enable her to get some more practice in along side her driving lessons.  Then fingers crossed if she passes will look for comprehensive insurance in her name with me or her dad on the policy as another driver.  

The person who drives the car the most will need to be the policy holder (have a read up on 'Fronting'). Have you got comprehensive insurance quotes for your daughter as if she had passed her test? I would not buy the car until you are certain that she can afford to insure it. Premiums of £2000 to £3000 are not unheard of for new drivers if they are under 21.  

Aretnap

tacpot12 said:

katies_mum said:

Thank you for taking the time to reply, have been looking into this and she is taking out learner insurance with Veygo by Admiral for 6 weeks (until her test) and will enable her to get some more practice in along side her driving lessons.  Then fingers crossed if she passes will look for comprehensive insurance in her name with me or her dad on the policy as another driver.  

The person who drives the car the most will need to be the policy holder (have a read up on 'Fronting'). 

There is no particular reason why the policyholder has to be the main driver.

Some but no means all insurers will include a statement in their assumptions to the effect that the policyholder, registered keeper, owner and main driver are the same person, so read the assumptions carefully. Others will ask a separate question about which driver is the main driver (who doesn't necessarily have to be the policyholder). Still others will not ask who the main driver is at all because they actively don't care, and will just price on the assumption that the riskiest driver will usually be driving, getting rid of the problem of fronting altogether.

Just answer the questions that you are actually asked. There is no need to invent secret rules which the insurer hasn't told you about.

katies_mum

Thank you for your advice, I know about fronting and when she passes her test any insurance will be in her name as main driver she will be the owner and registered keeper, we appreciate it is going to cost at least £1100 £1200 (have done some quotes) and she can afford it.  As with any insurance we have all questions will be answered correctly and honestly.