Car insurance help. Driving test soon

Drumstation

We have a multi car policy which is due for renewal mid July. It’s extortionate so I am shopping around. I can get my main car cheaper elsewhere. The second car is a low value car that my son has been learning to drive in. His test is early August. I am not sure how insurance works fully. I am not sure I can renew for a month and then potentially cancel if my son passes and then needs his own policy? I would image if I can, the insurance company will charge me for cancelling? Would you say it’s best to sorn and not insure for the 3 weeks while we see if he passes or not?

bazdvd

just insure your car and your sons on a learner policy. When he passes he will need his own insurance as a full licence driver and the learner policy will end

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6674728/car-insurance-help-driving-test-soon

There are multiple ways it could work. If you go that route then yes almost every insurer will charge to cancel it.

Alternatively it could be a policy in his name and you as a named driver and then when he passes it will just be a mid term amendment to change his license status.

Another option is to insure it in your name and buy a learner add on policy for him (these policies require the car to be insured also as the learner is only covered whilst they are driving not when its parked up on the road etc). The learner policy ends when he passes. Up to you if you then add them to the policy, cancel the policy and buy a new one

SORN is another option if you dont need the car for a period and have somewhere you can store it.

In case you arent aware, someone who has just passed their test are much more expensive to insure than someone who is a learner

mgfvvc

https://forums.moneysavingexpert.com/discussion/6674728/car-insurance-help-driving-test-soon

Day insurance is a thing. It's short term insurance, usually to a maximum of 30 days IIRC.
Veygo do monthly rolling learner cover which might be a good choice, if the price is reasonable. It looks like they will provide full cover for the car, not just an add-on policy.