Am I wrong?

Completely irresponsible in every way and DH has made it worse by not setting clear boundaries. This was a lesson in respecting the rules (no, LAWS) of the road.
DD is young, impulsive and capable of making very poor decisions at that age, it comes with the territory. That’s why setting clear boundaries is so important with such an important thing as road safety and DH has failed in his parenting spectacularly. He’s sending the message that if Dad breaks the law with “minor” offences, then I guess it’s all okay and everyone does it. Will he feel the same when she passes and is under peer pressure to commit other “minor” offences when he’s not there? Or as a passenger in a friend’s car who also commits “minor” offences? Where’s the line for this exactly? Is one or two units of alcohol over the limit “minor”? Is speeding okay on certain roads or when it’s “only” 10mph or 15mph over? I guess taking your eyes off the road briefly to send a text is also pretty minor?
I probably feel particularly passionate about this because I do know young people who have lost their lives in accidents and seen the impact on their families. And conversely, completely innocent people who have lost their lives due to just moments of stupidity on someone else’s part. Road safety is a non-negotiable to me and personally if after having words with both of them I was to find out this had happened again then I would report them both to the police myself. DD could hate me for that all she wants, but it’s my job to keep her safe and try to raise her to be a responsible member of society.

If it makes you feel any better I have had a similar number of lessons and am being taken out on the road by my instructor. If you think she can’t drive that’s another matter
edit: I missed she was uninsured

So she's driving uninsured - that's a great start to her driving future! How will she get insured when she passes her test if anything happens and it comes out that she has done this?

He is being totally stupid and needs a kick up the pants.

They might both benefit from checking this out too.

https://www.legislation.gov.uk/ukpga/1988/52/section/143

(1)Subject to the provisions of this Part of this Act—

(a)a person must not use a motor vehicle on a road [F2or other public place] unless there is in force in relation to the use of the vehicle by that person such a policy of insurance F3... as complies with the requirements of this Part of this Act, and

(b)a person must not cause or permit any other person to use a motor vehicle on a road [F4or other public place] unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance F5... as complies with the requirements of this Part of this Act.

No your not overreacting. A friend of mine drove without insurance just before she was about to take her test, she hit another car, got caught and got a 3 year ban for driving without insurance.

Is your DD and DH prepared to foot the bill if she miss judges her footing or steering and hits another car as an uninsured driver? I can see why your annoyed as well, irresponsible!

She is an uninsured learner driver. She is breaking the law.

Your husband is an idiot who is also breaking the law.

Tell him if it happens again you will report both of them.

You might save a life.

He should have made sure she was on the insurance.

You said, "our fairly powerful car", so I assume he is 50/50 owner. Given this, why has he got no say? That does seem quite controlling.

Also, please leave it out with the Top Gear car report.
Don't see how vehicle specs as vastly relevant to your question, as all cars are "powerful" and capable of inflicting severe damage on other other objects and living creatures.

Imagine if she’d killed a child or an animal? Yeah I’d divorce over that without hesitation and if I was a neighbour I’d be furious. If they hit another vehicle - zero claim. Oh and the fancy car would be seized.

Part of learning to drive is respecting the rules of the road and being legal.. insurance MOT etc. It seems both your DD and DH aren't mature enough

We also have a sporty version of a basic car and not only would the insurance be too much I think the car would be toopowerful for a learner so DS can't drive it. He totally accepts this

Your DH would have been in quite a lot of shit if Mr Plod had come across them. Uninsured and no L plates...what a dick.

It's not setting a great example is it?

They might find it useful to read Annex 3 of the Highway Code. It deals with both insurance and learner drivers. https://www.gov.uk/guidance/the-highway-code/annex-3-motor-vehicle-documentation-and-learner-driver-requirements

You say ‘we’ this and ‘we’ that but apparently your husband has changed his mind.

It sounds like you have another family car too. Is she on the insurance for that and if so, why isn’t she content to learn in that one?

Who's voting you are BU?

Driving without insurance is just not acceptable, full stop.

Does any of the people voting that you are BU fancy going into an accident with an uninsured driver? Even as pedestrians?

He's broken the law by allowing someone to drive that car without insurance.

End of.

Oh let’s not make this about sexism please! We are talking about a dad, daughter situation in OP - good for you that you took your DCs out driving.

Sexist! As a mother, I have taken all four of my children out driving. But they were all insured to drive the vehicles.

Did the car have L plates on it or is that another law your DH broke?

@PonyPatter44 @faerietales agree it’s easy to put on insurance, it does take minutes online and they are insured from that day.

OP, just insist they do the insurance, I wouldn’t just say no full stop - she’s excited to get driving.

Yes - and its also the norm to insure them on that car!

Why didn't the muppet just put DD on the insurance? It doesn't cost much to add a learner, even on a "powerful " car.

I don't think it's ever been "the done thing" to take your uninsured teenager out to practise driving, has it?

I mean, both my parents took me out for driving practise but I was fully insured to be out in a car.

I do get she wasn’t insured but let’s be honest for as long as I can remember it’s been the done thing that fathers take their kids around the local area to teach them how to drive. I’m not saying it’s right or wrong, or legal in this case, but I would absolutely flip the lid if my kid was allowed to go on their own, a bit less so if they were supervised.

First post nails it.
Not only is she not insured your DH could be prosecuted for letting her drive uninsured.

It doesn't matter - she's not insured either way.

YANBU OP.

They WBU to drive uninsured, anyone is, but if she was insured I wouldn’t see a problem.