Removing my learner daughter from insurance *doubles* the premium?!?

Ectophile

DullGreyGuy said:

Grey_Critic said:

I would hazard that you do not need to remove her from the policy if she does not drive it. Learner drivers do not drive regularly only when practicing.

Unfortunately the Government, FCA and PRA also make rules including things like the Consumer Insurance (Disclosure and Representations) Act 2012. The law requires that a consumer makes true declaration to their insurers and deliberate or reckless failure to do so allows the insurer to void the policy and keep the premiums. 

In this case the OP has made the correct declaration, their daughter now has a full license but they dont want to pay the adjusted premium. In reality their options are:

1) Pay the adjusted premium and keep daughter on
2) Remove daughter 
3) Cancel policy

I cannot see an option where the OP keeps their daughter listed as a learner driver even if they arent going to drive and undoubtably would at least result in the policy being cancelled if not voided.

I think it depends on the precise wording of the policy, and I wouldn't make any bold statements about what the OP must do unless I had thoroughly read that policy.

The daughter may no longer be covered by that policy.  But she isn't going to drive the car anyway.

So does the policy actually require the OP to do anything now that the daughter has passed the test?