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Original poster

AIBU to think we don't need to tell the insurer about daughter learning to drive?

381 replies

flawless234 · 07/08/2025 10:33

Hi All,
My daughter has just started learning to drive and we're now doing some practice sessions in our car. She's got her provisional licence and everything, and I'm sitting with her, but we haven't told our car insurance company. I'm thinking, she's not the main driver, it's just a bit of practice with me supervising, so surely we don't need to add her as a named driver?
I've heard some people say you need special learner insurance or to add them to your policy, but it feels a bit OTT for just a few supervised drives. I'm a bit worried about the premium shooting up, to be honest!
Am I being unreasonable to think we can just carry on as we are, or do we really need to contact our insurer? Does anyone have any experience with this? Any advice on what to do would be amazing, as I'm totally clueless about all this.
Thanks in advance!

OP posts:
Thegazelles · 07/08/2025 11:21

Even if she doesn't crash, you're likely to be spotted by the police. They can seize your car and ban the learner. I believe there may be penalties for you too as you are responsible for the learner whilst supervising.

AngelicKaty · 07/08/2025 11:21

@flawless234 I'm genuinely astonished you think this is OK. Your DD is breaking the law by not having motor insurance and you risk voiding your own insurance policy by allowing someone who is uninsured to drive your car. The risks of what you might have to pay out if your DD was involved in a collision in your car far outweigh the increased insurance premiums. Give your head a wobble and help your DD find some affordable insurance as a matter of urgency.

teksquad · 07/08/2025 11:21

She needs learner insurance (eg Marmalade and similar). How can you not know this? What if she runs over a parent with a baby in a pushchair on a zebra crossing? You could be liable for millions of pounds in rehabilitation or prison if she kills someone.

PlasticineKing · 07/08/2025 11:20

Bambamhoohoo · 07/08/2025 10:57

Er? They’ve only posted the OP 🤣

Show quote history

The whole OP is one massive justification.

😂

cyvguhb · 07/08/2025 11:20

Hang on though, we don't know where the OP lives, maybe she's in a territory where people who haven't passed their test don't need to be insured when driving.

Can't think of any other reason this would need to be asked

Bambamhoohoo · 07/08/2025 11:20

BrickBiscuit · 07/08/2025 11:17

Would that mean any less liability though? If anything went wrong another party may seek redress and costs. The landowner's insurer might get involved, and pursue an adverse case against them. And criminal liability usually applies anywhere.

Edited
Show quote history

You can only take her out on your own private land ie you have to be the landowner. And no public access as above. So I doubt OP owns a private car park for her.

tbh I think the posts about her crashing or killing someone are a bit drama lllama. It’s clearly very unlikely to happen. And the industry isn’t allowed to just wash their hands of victims of this sort of thing. However, the point is it’s a legal requirement and that’s why you do it. Not because you think you might kill a person 🙄

EverythingElseIsTaken · 07/08/2025 11:20

I know there are some stupid people about but … really? How can anyone think this is okay? You would both be in a whole heap of trouble if caught!

Sahara123 · 07/08/2025 11:19

Good grief. Just when you think you’ve read everything on here….
You can’t seriously think she doesn’t need to be insured just because she’s only “ a little bit driving “ 😱

DonnaSueWeloveyou · 07/08/2025 11:18

Fountofwisdom · 07/08/2025 10:36

Are you serious? If she’s driving on the road, she needs to have insurance, end of. If she gets caught driving without insurance, she risks losing her licence before she’s even passed her test. Ludicrous that you even need to ask this question.

This.

Maddy70 · 07/08/2025 11:18

So if she knocks into another car , she would have a driving ban by not being insured before she started. You are being very naive

BrickBiscuit · 07/08/2025 11:17

HappySummerDays · 07/08/2025 11:07

The op could be taking her daughter out on private land, not on the public road.
She will probably come back to clarify that.

Would that mean any less liability though? If anything went wrong another party may seek redress and costs. The landowner's insurer might get involved, and pursue an adverse case against them. And criminal liability usually applies anywhere.

LoverOfTerriers · 07/08/2025 11:17

This is just rage-bait, right?

ParvuliThankYouDebbie · 07/08/2025 11:15

Filing this under:
‘This cannot be real’.
Next!

Dontdoitdoreen · 07/08/2025 11:15

Do you want the police to seize and destroy your car? Section 165A of the Road Traffic Act 1988 gives them the powers to do just that.

NoTweensintheHouse · 07/08/2025 11:15

IncessantNameChanger · 07/08/2025 10:38

I have my son on a stand alone Learners insurance. He pulled out to someone on the left on a roundabout.

You need insurance!

We did this too. Doesn't affect your premiums at all.

GleisZwei · 07/08/2025 11:14

This is a joke surely? Of course you need to add anyone who is driving the car (unless they definitely have some other policy that allows them to drive the car).

SeaShellsSanctuary1 · 07/08/2025 11:14

Got to be a joke. If you get stopped she will have 6 points minimum on her provisional licence for no insurance rendering her unable to afford any insurance until she's 53!

All this aside just the legal and moral side of the fucking entitlement of driving round uninsured.

And yes I have been hit by an uninsured driver to the tune of £2000

Beammeupscotty2025 · 07/08/2025 11:13

Do what you want if you crash and your daughter is driving your insurance company will love you. No payout. What is she kills someone? Jail?

Also your DD could be banned and fined for not driving with insurance if she is on a public road. She has a provisional license she has to use it in accordance with the law. If she knowingly does not follow the law she is culpable.

Rosecoffeecup · 07/08/2025 11:13

Surely this is a joke, no one can be stupid enough to need to ask this question?

Gingercatlover · 07/08/2025 11:12

Crikey it doesn’t cost much to add them, but it will cost a lot if she crashes it or someone hits your car whilst she is driving as she will be uninsured, which is also illegal.

Do not take her again until you have sorted it out, is my advice.

Spanador · 07/08/2025 11:12

This cannot be real. Surely nobody is actually that stupid

Hameth · 07/08/2025 11:11

Easy to answer. Do you want to pay on average an extra £5k a year for insurance for life?
If no, hope no one crashes into you or you into them; or buy learner cover.
If yes, do nothing.

Never, never mess with insurers. They can ruin your life.

MNpenisadvisor · 07/08/2025 11:11

plinkityplink · 07/08/2025 10:45

Fuck me, it’s really unfortunate you decided to have kids. Your stupidity seemingly knows no bounds.

They walk among us!!

RealEagle · 07/08/2025 11:10

No one can be this thick surely

Bambamhoohoo · 07/08/2025 11:10

WHATtom · 07/08/2025 10:53

I’d say this has to be a wind up but then I think about some of the stories you hear about people walking around in society and the shit they get themselves into.

If it’s not a wind up, OP - are you fucking on glue?

Edited

Tbh lots of people don’t live their life as compliant and good as most mumsnetters. There are lots of people who don’t measure their value on how well they comply. They just think of the easiest or most convenient way to do things and go with it.

I mean obviously, people wouldn’t be caught without insurance etc everyday if it was that unbelievable