Insurance for Learner Driver - Supervisor

[oobster]

Evening lads & lassies

Daughter is 17, provisional licence holder, is taking lessons from a proper instructor.

However, we’ve just (today) acquired a wee Honda Jazz for her to pootle around in, in between lessons and I’ll be sitting next to her to supervise until she passes her test.

I have my own car that (I’ve checked) has driving other cars cover, third party only and with the owners permission etc etc

Question is: do I NEED to be a named driver on the policy she is going to take out for her Jazz? I may drive it occasionally (eg drive it to her work at her finishing time and she drives it back home).

Ta

[Powerfully Built Company Directors Secretary]

You'd probably make it cheaper being a named driver anyway, so it's worth doing.

Otherwise, if you're happy on TPO cover then fill your boots.

You don't need to be on the insurance to supervise her, but having some form of cover would be handy should you need to take over. Enjoy and brace yourself, learners can do some surprising things (I speak as an instructor myself!).

And I will say that as they're having lessons with an instructor, please just supervise. Don't tell them how to drive! I have a fair few pupils who do really well and then on the next one go backwards. After delving into it, it's because they've gone out with a parent who has taught them wrong/a bad habit/something that wasn't acceptable then but is now (like crossing hands).

[Jeremy-75qq8]

For my 17 old on a vw up with 2 named drivers in Surrey the premium was £230.

Who owns it ? If you you won't be covered. Must be owned by someone else.

The premium will be lower / won't change if you are a named driver

[The Gauge]

Earlier this year when my 18yr old lad was having lessons he bought a 2013 Ford Fiesta and we took out a policy in his name and with his mother and myself as named drivers, it cost about £300 and obviously required him to be supervised.

On the day he passed his test I phoned his insurers to let them know that he was now a full licence holder, the insurance company would no longer cover him so we got a refund of unused months. We eventually got him cover elsewhere for £2,700

[MOMACC]

The Gauge said:

Earlier this year when my 18yr old lad was having lessons he bought a 2013 Ford Fiesta and we took out a policy in his name and with his mother and myself as named drivers, it cost about £300 and obviously required him to be supervised.

On the day he passed his test I phoned his insurers to let them know that he was now a full licence holder, the insurance company would no longer cover him so we got a refund of unused months. We eventually got him cover elsewhere for £2,700

Very good reasons for the cost difference too.

Whilst learning and with supervision statistics show claims are fewer than the minute a 17yr old passes, hits the open road and kills 3 of their mates doing 100mph. Not saying your lad would but the cost difference is purely in the data, same for drivers once they hit 75/80 as they become a higher risk and have more claims on average than the 25-75 age group.

Good point for the OP though, be prepared for the large jump in premium when your daughter passes her test.

[oobster]

Thanks folks. She is going to get her own policy and we are aware the price is going to shoot up massively once she passes her test.

[V8 Bob]

If car is in your daughters name get insurance in her name and add as many older drivers with clean licences as you can a bit play on a comparison website will show the impact. I am on my grandsons policy along with his mother and his grandmother. His stepdad has three points and adding him increased the cost marginally.
Remember the black box if fitted when you drive the car !

Plus if you drive it on your “any other car “ element of your own car insurance then you only have third party cover on the car being driven.

Edited by V8 Bob on Thursday 17th July 08:29