Motor Ins for daughter on sister's car declined (not refused)

CAG8

Our younger daughter passed her driving test on Saturday. 
Elder daughter is 7 weeks away from 1 year of NCB after passing her test last July.  She has a 1L car in her name with her own insurance (with both of us parents as named drivers).

We tried to add younger daughter as named driver to elder daughters insurance on Sunday but it was declined.
So we tried to buy temporary new driver insurance on borrowed car (for 2 months) with Veygo (supposed to be specifically for this purpose) but declined again.

We have seen today that the DVLA have her down as Provisional licence holder, so we wondered if that could be the reason for the insurance companies not wanting to insure.
But have seen on other comments that this is quite common and shouldn't stop them being able to drive.
Can't get hold of DVLA and insurance companies will not say why they are declining.

What do we do?  How does she get out on the road when we can't find out from anyone why they won't insure her and the DVLA are incognito?
We don't know where to turn or how it can be resolved.

Any advice welcome.  Thanks

UPDATE - we have managed to sort it out.  The option we wanted to take was resolved after the DVLA site updated her record to a full licence overnight last night. Thank you very much all who responded with ideas and solutions.  Much appreciated.

DullGreyGuy

Just passed drivers are the highest risk drivers out there... low level of skill but the freedom to drive how they want with who they want. Particularly bad when being compounded with being a teenager when most are still concerned about their peer groups opinion and oneupmanship etc. 

Inevitably when you pass the DVLA doesn't instantly update their records but you are legally a qualified driver and need to be insured as such. The DVLA will backdate their records to the date when they get round to it. 

A newly qualified driver add on insurer declining is more unusual but its unlikely to be based on the DVLA having not yet updating their records.

CAG8

Thanks - but that being the issue is our only hope.  She passed with 0 minors and is a very good and natural driver, and she's very sensible and intelligent - not a girl racer by any stretch.
Shame ours get tarred with the same brush as the majority their age - neither has ever bowed to peer pressure - they are both good kids and mature for their ages. 

We are obviously aware that being a just passed driver is the highest risk actuarily, and that she must have insurance - that's why she hasn't been out yet.  But this time last week she could drive with one of us next to her - now she's passed she can't drive at all - it's ridiculous.
We have never heard of anyone not being able to just get out there and drive before.
And we don't know how to resolve this because we can't get hold of anyone who can help who will let us know what the problem is - hence my call for help.
What do we do?  How can we get her on the road?

DullGreyGuy

CAG8 said:

We are obviously aware that being a just passed driver is the highest risk actuarily, and that she must have insurance - that's why she hasn't been out yet.  But this time last week she could drive with one of us next to her - now she's passed she can't drive at all - it's ridiculous.
We have never heard of anyone not being able to just get out there and drive before.
And we don't know how to resolve this because we can't get hold of anyone who can help who will let us know what the problem is - hence my call for help.
What do we do?  How can we get her on the road?

I'd say its statistically rather than actuarially

Losing 45 weeks towards a NCD would be painful but it may be sensible to do a quote or two via the likes of Confused.com to see the price of insuring the two of them on a new policy. I've not seen analysis in the last year to see if the old theories still stand under the new legislation but you may be better off starting the new policy in a few weeks time rather than immediately. 

Assuming you get quotes back then you could find out the cancellation cost on the existing policy and ultimately decide if its worth cancelling and starting anew or waiting a few more weeks and then buy new with the two. Adding yourselves (assuming good history) as named drivers will also help control the premium. 

If you dont get any quotes then you are possibly in the territory of having to do DSAR requests with insurance and credit reference databases to see if anything untoward been registered against her (the news today had a chap who shares the same name and DoB of a person with significant criminal records and has caused problems on airplanes... he keeps getting flights cancelled and has had police raid his home by mistake) as things can go weird.

chrisw

Can you add her to your own insurance, at least until July? 

Or if she needs a car now, maybe picking up a cheap runaround to start off her own insurance in her own name?

silvercar

Sounds like the dvla haven't yet updated their records.

When mine passed their tests they were already insured as learners, so it was a case of letting the insurance companies know that they had passed, rather than adding them to the policies as they were already on the policies. So we didn't have to wait for the dvla to update their records.