Daughter Learning to Drive Insurance Question
Discussion
My wife owns 2 cars, Boxster and Range Rover I am on the policy for both. I own a Leaf, our other cars are secondary to the Leaf to be honest as it costs pennies to run.
My daughter is 17 in a couple of months. If I add her to my Leaf policy whilst she is a learner driver that will be fine I think, but I am worried about when she passes her test. If she is still an additional driver would this be considered fronting, I seriously doubt that her use would be greater than mine as the Leaf is our main motor for family duties.
I really don't want to sell my Boxster but I suspect this may be the car that has to go to be replaced by a small car for my daughter insured in her own name.
My daughter is 17 in a couple of months. If I add her to my Leaf policy whilst she is a learner driver that will be fine I think, but I am worried about when she passes her test. If she is still an additional driver would this be considered fronting, I seriously doubt that her use would be greater than mine as the Leaf is our main motor for family duties.
I really don't want to sell my Boxster but I suspect this may be the car that has to go to be replaced by a small car for my daughter insured in her own name.
lost in espace said:
My wife owns 2 cars, Boxster and Range Rover I am on the policy for both. I own a Leaf, our other cars are secondary to the Leaf to be honest as it costs pennies to run.
My daughter is 17 in a couple of months. If I add her to my Leaf policy whilst she is a learner driver that will be fine I think, but I am worried about when she passes her test. If she is still an additional driver would this be considered fronting, I seriously doubt that her use would be greater than mine as the Leaf is our main motor for family duties.
I really don't want to sell my Boxster but I suspect this may be the car that has to go to be replaced by a small car for my daughter insured in her own name.
Who should be the 'main driver' and who should be an 'additional driver' depends on the use. The key as I understand it is who uses it for commuting as that should definitely be the 'main driver'. If your daughter will only use it for pleasure use rather than taking to college/work/Uni in the future and parking it there and whilst she also remains living at home with you then it shouldn't be an issue as you would still be the main driver. I'm not an expert by any means but I have looked into this in the past for friends as I have helped look for cars in the past.My daughter is 17 in a couple of months. If I add her to my Leaf policy whilst she is a learner driver that will be fine I think, but I am worried about when she passes her test. If she is still an additional driver would this be considered fronting, I seriously doubt that her use would be greater than mine as the Leaf is our main motor for family duties.
I really don't want to sell my Boxster but I suspect this may be the car that has to go to be replaced by a small car for my daughter insured in her own name.
Our eldest is 17 in November and we can't insure her on any of our cars so I'll be out hunting for something cheap just for her which will at least start off building up some no claims. Having watched the various (Jonny Smith and Car Throttle) videos on the Citroen Ami (quadricycle thing) I'm hoping they get approval to sell this in the UK as for journeys to the 6th form/colleges she is choosing between are not far and nor is our local town for shopping I'd love to get one of these for her to pootle about in and get decent road knowledge before buying a car at a later date when she would actually use it more and drive far enough for it to be more worthwhile.
While she's learning, check out Provisional Marmalade. It's effectively her very own policy on a car already insured by someone else. When my two were learning, it was far more cost effective to do this. And if the worst happens (ie. a claim), it doesn't affect your own insurance or NCB.
T5Pilot said:
While she's learning, check out Provisional Marmalade. It's effectively her very own policy on a car already insured by someone else. When my two were learning, it was far more cost effective to do this. And if the worst happens (ie. a claim), it doesn't affect your own insurance or NCB.
Wow thanks T5Pilot. This is a whole new area for me!T5Pilot said:
While she's learning, check out Provisional Marmalade. It's effectively her very own policy on a car already insured by someone else. When my two were learning, it was far more cost effective to do this. And if the worst happens (ie. a claim), it doesn't affect your own insurance or NCB.
I'd never heard of them or that option - thanks very much for posting. I've just been and did a quote but adjusting our eldest's DOB to make her 17 yesterday on my Mrs' Mini Cooper Convertible (the only manual car we own as well as the slowest) and was surprised that for the maximum 6 months cover (enough time to pass her test I would hope) it would only be £293 - it would save us buying her an old car for her 17th and mean once she has passed her test we could get her her own car and insurance then. This could be a good plan! CheersT5Pilot said:
While she's learning, check out Provisional Marmalade. It's effectively her very own policy on a car already insured by someone else. When my two were learning, it was far more cost effective to do this. And if the worst happens (ie. a claim), it doesn't affect your own insurance or NCB.
This works very well in practice . The very best part is not having to disclose any accident for the next 5 years on your own insurance. Jules Sunley said:
Who should be the 'main driver' and who should be an 'additional driver' depends on the use. The key as I understand it is who uses it for commuting as that should definitely be the 'main driver'.
This is wrong. The main driver is the person that does the most miles in the car. That's it. If I use the car 5 days a week to commute 2 miles each way to work, and at the weekend my son uses it to drive 100 miles each way to see his girlfriend, then he's the main driver. He's doing 200 miles a week in the car, I'm doing 20, so how can I be the main driver??But just check with the insurer concerned. Tell them the truth, and you'll be just fine.
megaphone said:
Isn't a Leaf 'automatic'? Is she going to get a manual licence or auto?
Yeah this is my problem too, I have a boy turning 17 soon, a Leaf (like OP mine does the majoritiy of our work because of the near-zero running costs), and an automatic Honda Civic. To give him practice alongside professional lessons, I'm gonna need to get another car, or change one of them. I don't want to do either...sigh.ElectricSoup said:
Yeah this is my problem too, I have a boy turning 17 soon, a Leaf (like OP mine does the majoritiy of our work because of the near-zero running costs), and an automatic Honda Civic. To give him practice alongside professional lessons, I'm gonna need to get another car, or change one of them. I don't want to do either...sigh.
I was thinking of giving my daughter manual lessons, when she drives the Leaf it will be far easier than the manual and just top up her experience. lost in espace said:
ElectricSoup said:
Yeah this is my problem too, I have a boy turning 17 soon, a Leaf (like OP mine does the majoritiy of our work because of the near-zero running costs), and an automatic Honda Civic. To give him practice alongside professional lessons, I'm gonna need to get another car, or change one of them. I don't want to do either...sigh.
I was thinking of giving my daughter manual lessons, when she drives the Leaf it will be far easier than the manual and just top up her experience. TwigtheWonderkid said:
This is wrong. The main driver is the person that does the most miles in the car. That's it. If I use the car 5 days a week to commute 2 miles each way to work, and at the weekend my son uses it to drive 100 miles each way to see his girlfriend, then he's the main driver. He's doing 200 miles a week in the car, I'm doing 20, so how can I be the main driver??
But just check with the insurer concerned. Tell them the truth, and you'll be just fine.
I just had a look online about this and 'uses the most' can be interpreted as number of drives not just most distance so the consensus seems to indeed be 'check with the specific insurer' as you don't want bad news at the point of putting a claim in.But just check with the insurer concerned. Tell them the truth, and you'll be just fine.
ElectricSoup said:
Yeah it might work, I'd just be worried about confusing mine at this early stage with different handbrakes and all that stuff. And no dual controls in the Leaf. I'd rather he just learns in old fashioned manual cars with proper handbrakes and gets plenty of experience before trying different layouts in public.
No duel controls. No handbrake that the non-learner can grab. Indeed, you can’t even knock it out of gear. Jules Sunley said:
TwigtheWonderkid said:
This is wrong. The main driver is the person that does the most miles in the car. That's it. If I use the car 5 days a week to commute 2 miles each way to work, and at the weekend my son uses it to drive 100 miles each way to see his girlfriend, then he's the main driver. He's doing 200 miles a week in the car, I'm doing 20, so how can I be the main driver??
But just check with the insurer concerned. Tell them the truth, and you'll be just fine.
I just had a look online about this and 'uses the most' can be interpreted as number of drives not just most distance so the consensus seems to indeed be 'check with the specific insurer' as you don't want bad news at the point of putting a claim in.But just check with the insurer concerned. Tell them the truth, and you'll be just fine.
Besides as I understand it fronting is a lot less of an issue these days as insurers take much more of a shared risk model amongst all insured drivers rather than loading it onto the main driver.
And of course as Twig says, if you really want to cover yourself then just tell your insurer what the driving patterns are and ask them who they want to be the main driver.
lost in espace said:
Oh god. I don't want to think about it! But I am going to have to. When you put it like this, her own car seems the best route.
Yep, buy a cheapy Yaris or a Swift and insure it as an accompanied learner via one of the specialist insurers. Then, once she's passed stump up the cost of regular insurance and she can be let loose in her own wheels and knock the corners off that instead of your car. Google "learner driver insurance" and take your pick.
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