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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:
Tippertapperfeet · 07/08/2025 10:53

We used marmalade. They were great.

but be prepared for a horrendous bill the day the pass coz insurance for new drivers is a fortune.

Hedonism · 07/08/2025 10:53

Hang on, so you are asking whether someone else needs insurance to drive your car?

How click baity.

Topseyt123 · 07/08/2025 10:53

Of course she needs to be insured! Either on your policy or on her own learner policy.

Driving without insurance is a criminal offence, even for learners. They can still be disqualified, fined and get points on their licences even before passing their tests.

What if she pranged another vehicle, injured someone else, or even someone else ran into the car when she was driving? You would have no cover for the resulting claim.

I also despair and can hardly believe this is a serious question, it's so fuckwitted!

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?

RedRiverShore5 · 07/08/2025 10:53

The only place you can do this is your own land that doesn't have public access.

rainbowsparkle28 · 07/08/2025 10:53

She needs to be named at least yes - otherwise you and she are not insured which is illegal 🙄🤨

Chiseltip · 07/08/2025 10:52

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!

She will get prosecuted for driving without insurance, that's six points on her provisional and a few hundred pounds in fines. Consequently, she will be virtually uninsurable even if she does pass her test.

You will get prosecuted for permitting her to drive without insurance, that's six points on your licence, a few hundred pounds in fines and a massive increase in your premiums going forward, assuming you can even get cover.

Please don't do this

DeltaAlphaDelta79 · 07/08/2025 10:51

Glammar · 07/08/2025 10:35

You need to get her insured. There's a company called Collingwood that are really reasonable for learner insurance. I'm in the same boat with my DS but there is no way he will be driving my car without insurance. It's illegal for a start and if there's an accident your insurance will be void.

Yep we did this with DS. A six month policy was about £100 IIRC. Its a separate policy to your own policy.

Tippertapperfeet · 07/08/2025 10:51

pushthebuttonnn · 07/08/2025 10:42

I would just let her drive around an empty car park at night with you. Not out on the road as she may have an accident or get stopped by police. The police can pull up insurance details immediately .

This is still illegal. You still need insurance to do this.

Tippertapperfeet · 07/08/2025 10:50

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!

Holy god.

you’re taking your daughter out uninsured.

how can you not know that if you’re a person driving a car on the public highway you need insurance?

you realise you and your daughter are breaking the law? And she will get a criminal record if stopped or if she has an accident because of your actions?

sleepingonapineneedle · 07/08/2025 10:50

This is illegal!!

And insane. Insure your child or get her off the road

RedRiverShore5 · 07/08/2025 10:49

Is this on public roads or your own land that doesn't have public access

Radiowaawaa · 07/08/2025 10:47

pushthebuttonnn · 07/08/2025 10:42

I would just let her drive around an empty car park at night with you. Not out on the road as she may have an accident or get stopped by police. The police can pull up insurance details immediately .

You still need insurance!

ForeverPombear · 07/08/2025 10:47

There is no possible way that you actually think your learner driver daughter doesn't need to be insured. Everyone has to be insured.

BetweenTwoFerns · 07/08/2025 10:47

Nobody thinks you don’t have to insure learners. Nobody.

Radiowaawaa · 07/08/2025 10:46

I'm totally clueless about all this.

True.

Should you be on the road?

Radiowaawaa · 07/08/2025 10:46

I'm totally clueless about all this.

True.

Should you be on the road?

FlipFlopShopInHawaii · 07/08/2025 10:46

Cherry8809 · 07/08/2025 10:41

I truly wonder how some people manage to exist as adults 🙄

Indeed!
I wonder are we being had here? 🤔 there's absolutely no other reason for this question.

plinkityplink · 07/08/2025 10:45

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

Bambamhoohoo · 07/08/2025 10:44

pushthebuttonnn · 07/08/2025 10:42

I would just let her drive around an empty car park at night with you. Not out on the road as she may have an accident or get stopped by police. The police can pull up insurance details immediately .

This is all my parents did with me when I was learning. I was still insured though. It’s just what you do

MalcolmMoo · 07/08/2025 10:43

This can’t be real??? Of course you need to add her!

HostaCentral · 07/08/2025 10:42

I can't believe you are even asking this question. If she crashes your car, or worse, kills someone, are you going to pretend it was you??

Either way, illegal, and frankly preposterous behaviour.

pushthebuttonnn · 07/08/2025 10:42

I would just let her drive around an empty car park at night with you. Not out on the road as she may have an accident or get stopped by police. The police can pull up insurance details immediately .

TheGoodEnoughWife · 07/08/2025 10:42

As others have said it is illegal for her to be driving without insurance. If something happens she could be disqualified before she is actually qualified! Why would you put her in that position?
In fact adding her as a learner driver to your insurance will probably be pretty cheap. Adding her after she has passed her test will not be.

Mimbl · 07/08/2025 10:42

Also, why do you feel it's 'OTT for a few supervised drives'. Were you thinking of adding her to the insurance when she is unsupervised? Because she's not allowed, as a learner, to drive unaccompanied either.