Insurance - if my wife passes her driving test
Discussion
My wife is shortly going to be taking her driving test in her own car. I'm accompanying her from home to the test centre as her supervisor. The car is currently insured with my wife (a provisional licence holder) as the policyholder. I am a named driver (full licence, and have my own fully comp policy on a second car).
I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
lobster940 said:
My wife is shortly going to be taking her driving test in her own car. I'm accompanying her from home to the test centre as her supervisor. The car is currently insured with my wife (a provisional licence holder) as the policyholder. I am a named driver (full licence, and have my own fully comp policy on a second car).
I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
I think that you are over thinking this.I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
I'd advise that you speak with the insurer, as they are the only ones who can tell you what their view on this will be.
lobster940 said:
My wife is shortly going to be taking her driving test in her own car. I'm accompanying her from home to the test centre as her supervisor. The car is currently insured with my wife (a provisional licence holder) as the policyholder. I am a named driver (full licence, and have my own fully comp policy on a second car).
I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
It's a long time since I passed my test but the instructor would always drive back from the tests, I presume for this exact reason.I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
lobster940 said:
My wife is shortly going to be taking her driving test in her own car. I'm accompanying her from home to the test centre as her supervisor. The car is currently insured with my wife (a provisional licence holder) as the policyholder. I am a named driver (full licence, and have my own fully comp policy on a second car).
I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
If she's on "learner insurance", she can't drive home, but you can as a named driver. At least this is what happened when my kids learnt to drive (Collingwood insurance).I am assuming, if she passes her test, she will not be insured to drive the car home, as she will be a qualified driver.
Will I be insured - given that I'm a named driver, with no valid policyholder? Or will we need to re-insure the car at the test centre before we go home?
Louis Balfour said:
carl_w said:
It's a long time since I passed my test but the instructor would always drive back from the tests, I presume for this exact reason.
Tests you say. 
OP: Given that insurers are notoriously picky and your wife is likely to be either super happy at passing or upset she hasn't, it's probably best you take the wheel. There's no excuse for the insurer to kick up a fuss if anything happens and less chance of an accident while she regales you with her story about what happened on the test. Best of luck to her, too.
RazerSauber said:
Louis Balfour said:
carl_w said:
It's a long time since I passed my test but the instructor would always drive back from the tests, I presume for this exact reason.
Tests you say. .
Louis Balfour said:
carl_w said:
It's a long time since I passed my test but the instructor would always drive back from the tests, I presume for this exact reason.
Tests you say. However this had nothing to do with insurance, especially since most pupils would be using the instructors car, which was obviously insured anyway.
The reason was that if the pupil had just passed their test they would be on cloud 9 messaging all their mates on social media and it would be some time before they came down off that high. Of course if they failed they would be distraught, extremely depressed, trying to work out whose fault it was blaming the instructor, the examiner and every one else on the road.
Neither of these conditions make for good driving, hence why the instructor drove back after the test.
Yellow Lizud said:
Louis Balfour said:
carl_w said:
It's a long time since I passed my test but the instructor would always drive back from the tests, I presume for this exact reason.
Tests you say. However this had nothing to do with insurance, especially since most pupils would be using the instructors car, which was obviously insured anyway.
The reason was that if the pupil had just passed their test they would be on cloud 9 messaging all their mates on social media and it would be some time before they came down off that high. Of course if they failed they would be distraught, extremely depressed, trying to work out whose fault it was blaming the instructor, the examiner and every one else on the road.
Neither of these conditions make for good driving, hence why the instructor drove back after the test.
surveyor said:
Yellow Lizud said:
Louis Balfour said:
carl_w said:
It's a long time since I passed my test but the instructor would always drive back from the tests, I presume for this exact reason.
Tests you say. However this had nothing to do with insurance, especially since most pupils would be using the instructors car, which was obviously insured anyway.
The reason was that if the pupil had just passed their test they would be on cloud 9 messaging all their mates on social media and it would be some time before they came down off that high. Of course if they failed they would be distraught, extremely depressed, trying to work out whose fault it was blaming the instructor, the examiner and every one else on the road.
Neither of these conditions make for good driving, hence why the instructor drove back after the test.
Yellow Lizud said:
Louis Balfour said:
carl_w said:
It's a long time since I passed my test but the instructor would always drive back from the tests, I presume for this exact reason.
Tests you say. However this had nothing to do with insurance, especially since most pupils would be using the instructors car, which was obviously insured anyway.
The reason was that if the pupil had just passed their test they would be on cloud 9 messaging all their mates on social media and it would be some time before they came down off that high. Of course if they failed they would be distraught, extremely depressed, trying to work out whose fault it was blaming the instructor, the examiner and every one else on the road.
Neither of these conditions make for good driving, hence why the instructor drove back after the test.
If your wife passes her test and drives you home but you are in the car then don’t see the issue anyway.
When you get home then phone the Insurer to inform them of the good news and they will then relieve you of some more money to allow your wife to drive unaccompanied.
You of course could phone them at the driving centre but that’s seems a little unnecessary.
When you get home then phone the Insurer to inform them of the good news and they will then relieve you of some more money to allow your wife to drive unaccompanied.
You of course could phone them at the driving centre but that’s seems a little unnecessary.
Both my sons passed their tests in their own car (~3 years and ~2 years ago respectively) with me as the supervisor on the way to the test. They had their own policies for the car with me as named driver.
Upon passing, the examiner made it very clear that they can't drive home and that I needed to do that. I think the excitement reason was valid but more importantly, their licence status had now changed and wouldn't be insured.
I suppose you could call the insurer from the test centre and update them so she could then drive home.
We didn't do that as we wanted to then search around for black box policies to transfer to which is what we did.
Even if you weren't covered in this instance, you could always rely on DOC, assuming you've checked your policy that it covers you.
Upon passing, the examiner made it very clear that they can't drive home and that I needed to do that. I think the excitement reason was valid but more importantly, their licence status had now changed and wouldn't be insured.
I suppose you could call the insurer from the test centre and update them so she could then drive home.
We didn't do that as we wanted to then search around for black box policies to transfer to which is what we did.
Even if you weren't covered in this instance, you could always rely on DOC, assuming you've checked your policy that it covers you.
Yellow Lizud said:
Yes,tests. The instructor would have taken loads of pupils to loads of tests and then driven back from the tests. (I can see what you are implying - but you might not be right!)
However this had nothing to do with insurance, especially since most pupils would be using the instructors car, which was obviously insured anyway.
The reason was that if the pupil had just passed their test they would be on cloud 9 messaging all their mates on social media and it would be some time before they came down off that high. Of course if they failed they would be distraught, extremely depressed, trying to work out whose fault it was blaming the instructor, the examiner and every one else on the road.
Neither of these conditions make for good driving, hence why the instructor drove back after the test.
When I passed in 2009, the instructor drove me back. I asked why I couldn't drive and he said I wasn't insured as I wasn't a learner anymore. Made sense to me, only learners or instructors to drive the learner car.However this had nothing to do with insurance, especially since most pupils would be using the instructors car, which was obviously insured anyway.
The reason was that if the pupil had just passed their test they would be on cloud 9 messaging all their mates on social media and it would be some time before they came down off that high. Of course if they failed they would be distraught, extremely depressed, trying to work out whose fault it was blaming the instructor, the examiner and every one else on the road.
Neither of these conditions make for good driving, hence why the instructor drove back after the test.
I think the "mood" thing is a load of bullocks, personally.
wazztie16 said:
When I passed in 2009, the instructor drove me back. I asked why I couldn't drive and he said I wasn't insured as I wasn't a learner anymore. Made sense to me, only learners or instructors to drive the learner car.
I think the "mood" thing is a load of bullocks, personally.
Assuming you were driving the instructors car, then you (or the instructor) are talking bI think the "mood" thing is a load of bullocks, personally.
ks. Loads of older people or nervous drivers have 'topup' lessons and loads of younger people do the Pass Plus, all on a full licence.You are welcome to 'think the "mood" thing is a load of bullocks', but you are wrong.
wazztie16 said:
When I passed in 2009, the instructor drove me back. I asked why I couldn't drive and he said I wasn't insured as I wasn't a learner anymore. Made sense to me, only learners or instructors to drive the learner car.
This was what I was told a lot earlier than 2009.Maybe it's part of the secret driving instructors code that they learn in training.
wazztie16 said:
When I passed in 2009, the instructor drove me back. I asked why I couldn't drive and he said I wasn't insured as I wasn't a learner anymore. Made sense to me, only learners or instructors to drive the learner car.
I think the "mood" thing is a load of bullocks, personally.
You think instructors can only teach learners? Pupil would be insured as it would be a lesson post test. It’s 100% the mood after test that I don’t let majority drive home afterwards.I think the "mood" thing is a load of bullocks, personally.
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