Provisional license insurance question.
Discussion
I’m just about to buy a car for my daughter to learn to drive in.
She goes to university this year so the car will probably be sold on after she has passed her test.
Now here is the question.
I have found insurance for her which is affordable.
I am on the quote as a named driver, but the policy is in her name.
Can any license holder sit with her or does it have to be me?
She is 17, policy in her name, car in her name and I am a named driver.
Thanks.
She goes to university this year so the car will probably be sold on after she has passed her test.
Now here is the question.
I have found insurance for her which is affordable.
I am on the quote as a named driver, but the policy is in her name.
Can any license holder sit with her or does it have to be me?
She is 17, policy in her name, car in her name and I am a named driver.
Thanks.
flashbang said:
Typically, the supervisor should be covered under her insurance but read the policy carefully to make sure.
What does that mean? Somehow anyone who supervises is covered by some policy you've never seen the details of?Or are you saying the that supervisor ought to be covered to drive?
The supervising driver does not have to be a named driver on the policy. They might have a DOC extension on their own policy that allows them to drive.
Personally, I think it's advisable that the supervising driver is covered to drive the car, either on the car's insurance or their own, in case the learner has some sort of panic attack and can't carry on, or takes a wrong turn down a motorway slip road or similar. But there's no legal requirement for it.
Personally, I think it's advisable that the supervising driver is covered to drive the car, either on the car's insurance or their own, in case the learner has some sort of panic attack and can't carry on, or takes a wrong turn down a motorway slip road or similar. But there's no legal requirement for it.
Copied from Adrian Flux Insurance website:-
Make sure you have the right insurance
As a supervisor, it’s your responsibility to ensure that you’ve got a car insurance policy that covers you in the event you need to take control of the wheel. The type of cover you need will depend on the car the learner is using to practise.
If the learner wants to practise in their own car, they should take out their own learner driver insurance policy and add their supervisor as a named driver.
If the learner will be using your car to practise in, they should be added as a named driver to your policy or take out a separate learner driver insurance policy.
Make sure you have the right insurance
As a supervisor, it’s your responsibility to ensure that you’ve got a car insurance policy that covers you in the event you need to take control of the wheel. The type of cover you need will depend on the car the learner is using to practise.
If the learner wants to practise in their own car, they should take out their own learner driver insurance policy and add their supervisor as a named driver.
If the learner will be using your car to practise in, they should be added as a named driver to your policy or take out a separate learner driver insurance policy.
NGee said:
Copied from Adrian Flux Insurance website:-
Make sure you have the right insurance
As a supervisor, it’s your responsibility to ensure that you’ve got a car insurance policy that covers you in the event you need to take control of the wheel. The type of cover you need will depend on the car the learner is using to practise.
If the learner wants to practise in their own car, they should take out their own learner driver insurance policy and add their supervisor as a named driver.
If the learner will be using your car to practise in, they should be added as a named driver to your policy or take out a separate learner driver insurance policy.
It seems (Quelle surprise!) that those in the business of selling a product word something to encourage you to buy the product... lolMake sure you have the right insurance
As a supervisor, it’s your responsibility to ensure that you’ve got a car insurance policy that covers you in the event you need to take control of the wheel. The type of cover you need will depend on the car the learner is using to practise.
If the learner wants to practise in their own car, they should take out their own learner driver insurance policy and add their supervisor as a named driver.
If the learner will be using your car to practise in, they should be added as a named driver to your policy or take out a separate learner driver insurance policy.
This isn't actually law - just common sense. You don't need your own insurance to supervise a learner driver but it's a good idea as per...
TwigtheWonderkid said:
The supervising driver does not have to be a named driver on the policy. They might have a DOC extension on their own policy that allows them to drive.
Personally, I think it's advisable that the supervising driver is covered to drive the car, either on the car's insurance or their own, in case the learner has some sort of panic attack and can't carry on, or takes a wrong turn down a motorway slip road or similar. But there's no legal requirement for it.
Personally, I think it's advisable that the supervising driver is covered to drive the car, either on the car's insurance or their own, in case the learner has some sort of panic attack and can't carry on, or takes a wrong turn down a motorway slip road or similar. But there's no legal requirement for it.
NGee said:
Copied from Adrian Flux Insurance website:-
Make sure you have the right insurance
As a supervisor, it’s your responsibility to ensure that you’ve got a car insurance policy that covers you in the event you need to take control of the wheel.
That's true. In the event they need to take over driving, it's their responsibility to ensure they are covered. But if they are happy that they never will need to take over the driving, they don't need to be covered. Make sure you have the right insurance
As a supervisor, it’s your responsibility to ensure that you’ve got a car insurance policy that covers you in the event you need to take control of the wheel.
I found a suitable learner car for my niece at 17
She insured it in her own right with a few family members as named drivers
By the time she passed her test she had a years NCB to offset the increase in premium for being able to drive unsupervised
It was surprising how much cheaper it was to insure as a learner and the 1 years NCB made a big difference to the 1st year of driving unsupervised
She then got caught speeding 3 times and had to re-sit her test under the points for prizes limits on learners
She insured it in her own right with a few family members as named drivers
By the time she passed her test she had a years NCB to offset the increase in premium for being able to drive unsupervised
It was surprising how much cheaper it was to insure as a learner and the 1 years NCB made a big difference to the 1st year of driving unsupervised
She then got caught speeding 3 times and had to re-sit her test under the points for prizes limits on learners
NGee said:
B'stard Child said:
It was surprising how much cheaper it was to insure as a learner ................................
She then got caught speeding 3 times and had to re-sit her test .................
And you were surprised?She then got caught speeding 3 times and had to re-sit her test .................
B'stard Child said:
She then got caught speeding 3 times and had to re-sit her test under the points for prizes limits on learners
I think many people are now taking their test knowing they won't have to drive, to get thru the first 2 years. I know a few kids of friends that took their test before going off to uni where they wouldn't have a car, whereas before this rule they wouldn't have bothered. And a mate's son managed to pass the day before going out to Japan to teach English as a foreign language. He's been there 4 years now, has never driven at all. When he comes home next year and buys his first car, he can honestly say he's held his full licence 5 years without any accidents or convictions. Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff