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

Stop being so selfish and get her insured. If this backfires it will be on her, as she's the driver its her responsibility to sort out insurance.

And breed and show their offspring the rules don't necessarily apply to them

You nailed it in your last sentence. You are totally clueless.

I can't believe I'm reading this are you for real? An uninsured unlicensed driver crashed into a family member of mine car. They had taken it without permission and had been drinking. Their insurance were refusing to pay out at first. They said they took a risk parking their car in their own front st.🤣🤣🤣No drive so not really any choice. They did eventually and the arsehole never got took to court for it either.

Obv you need to tell them. You aren’t driving. She is

she needs to be insured

if she hits someone or someone hits you - you won’t be insured

Pressed the wrong choice, should have pressed you are being unreasonable. She absolutely needs to be insured on your car if she's practising in it.

And op's user name is "flawless"

This is so obviously rage bait and I'm astonished MNHQ let this kind of shit stand without deleting the thread. OP hasn't even been back.

Why didn't op ask this before taking her dd out in her car?

A trainee driver with her mum in the car lost control, crashed into me and caused a permanent brain and spinal cord injury. OF COURSE you need to add her to your insurance.

Yabu. If she's driving safe needs to be added as a named driver to your insurance. In an accident you are uninsured if she is driving.

Oh I suspect we're all aware of that, the surprise is being expressed at the seeming ignorance of what the rules even are. What's next - 'Do I really have to drive to work on the left hand side of the road? It's only a few miles', 'Can't I just not bother with taxing my car? It's only £20 so the government won't miss it', 'Is it alright if I skip this year's MOT - everything seems OK with my car?'

I can’t believe you need to ask!

If someone runs into you whilst she’s behind the wheel… you are not insured, your car is not insured. If police turn up to your non fault collision, (or a routine stop & check) your daughter will be prosecuted for driving uninsured & you will get prosecuted for allowing it.
“If you are charged with an offence of 'permitting use of a motor vehicle without insurance' the penalty is the same as if you yourself were driving the vehicle.”

If she causes an accident through her lack of experience, you have all the costs in addition to legal prosecution. Is she capable of avoiding an accident in the event of a child/animal/cyclist/horse & rider unexpectedly getting in her path?

If you can’t afford to insure the car for her to drive it, don’t let her drive it. Save for professional lessons instead. If you think insurance is expensive without any driving convictions, try getting insurance with a no insurance conviction for both of you!

Im hoping this is made up, or a reverse (could possibly understand a 17yro for thinking this is ok)

This. Not to mention the fact that if she causes damage or injury or both while driving your car, the other party/parties’ costs could quite easily bankrupt you

No need so long as you're happy with having no insurance if she makes a mistake and injures someone or damages something and you need to pay tens of thousands (or more) out of your own pocket.

And if you don't mind she and you having a criminal record and nobody wanting to insure you ever again.

If you're fine with that, go for it.

I've voted yanbu. Totally fine to have teen with no driving licence, drive your car with no insurance. Dont worry.

All you're teaching her is that it's OK to drive without insurance. Your responsibility as a mum is to teach your children well.

Your insurance won't cover her because you aren't driving so you do really need to add her to the policy as a learner.

I helped my daughter learn to drive, you absolutely need to insure her!!
There are companies where you can insure just for the time you drive with her.

If you’re caught, your daughter will end up with points on her licence before she’s even passed!!

I dont think you can insure a car, its the individual that is insured as a named driver or main driver. If something happens while she is driving your car then its her that carries the risk, not the car.

I too find it difficult to believe that anyone can seriously believe this. If you're worried about the effects on your premium you do in fact know why that is don't you OP? Insurers increase premiums for young inexperienced drivers because they represent a higher risk. If it was the inconsequential thing you say it is then there'd be no additional cost would there? If you're worried about the cost now, wait til you see the premiums for newly qualified drivers!
Your options are to add her to your policy, get her learner policy or stop letting her drive your car. If you continue as you are you are both committing criminal offences potentially leading to fines, points on your licences or disqualification, not to mention being personally liable for any damage or injury caused as a result. Don't be an idiot.

You absolutely need to add her as a named driver - you are permitting her to driver uninsured it’s class as “uninsured but authorised driver” you are in breach of your policy terms and conditions and it is also an offence liable to penalty points on both you and your daughters licence.

This has got to be a wind up. How anyone with a car and insurance can not know this is unbelievable. Read your insurance documents!

It’s one of this threads that makes me wonder how there are so many mumsnetters who don’t realise lots of people in the world don’t play by the rules. The naivety is astonishing

They walk amongst us …….