Provisional to full license

Far1974 · 17 September 2023 at 10:40AM

Hi

Daughter has got her driving test in a couple of weeks. Getting insurance cheaper Martin says you should get it 23 days ahead. Can I take out a policy and assume she will pass ahead of time?

la531983 · 17 September 2023 at 10:46AM

That would be extremely wasteful if she doesn't pass. The 23 day advice is for insurance renewals

Also you may not actually be able to buy it in the first place if she hasn't passed yet.

Far1974 · 17 September 2023 at 10:49AM

Thanks so much. If my current insurer quotes crazy price and I can find it cheaper elsewhere, can I cancel current insurance and take out new one? Sorry it’s a minefield out there 😁

grateful for your advice

la531983 said:

That would be extremely wasteful if she doesn't pass. The 23 day advice is for insurance renewals

Also you may not actually be able to buy it in the first place if she hasn't passed

la531983 · 17 September 2023 at 11:04AM

Insurers will apply cancellation fees in most cases, in some cases this will wipe out any potential saving anyway.
This is the case for all drivers, not just new ones.

Ayr_Rage · 17 September 2023 at 11:29AM

You would be making a false declaration by saying she has a full licence if you do it in advance.

izoomzoom · 20 September 2023 at 10:53AM

After my son passed, he (nor I) could not drive the car home (2 minutes away) because his learner licence insurance was no longer valid - he was no longer a learner driver. He walked home, updated insurance, and paid a shocking amount more, walked back to test centre and drove car home. Just something to be aware of!