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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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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:

FairKoala · 07/08/2025 12:52

Sundaymorningcalla · 07/08/2025 10:40

This has to be a wind up or you're a colossal idiot.

Before I returned to paid employment I would have thought exactly as you but I have met some people who have a string of qualifications under their belt who don’t understand basic life stuff. Even things you would think are common sense and things like this which is something you could work out for yourself if you really thought about the What Ifs

Elphamouche · 07/08/2025 12:51

You are absolutely ridiculous.

TimeForABreak4 · 07/08/2025 12:49

Naaa don't need to add a learner driver who has no experience driving and has a higher likelihood of crashing.. You just do what you want 🙄

theDudesmummy · 07/08/2025 12:48

I haven't rtft but really? You are allowing/encouraging you daughter to break the law? And admitting it on the internet (albeit anonymously).What planet are you on? She will get a criminal record if caught.

Catcatcat111 · 07/08/2025 12:48

Oh my gosh, this can’t be real. A reverse? Must be one of the stupidest posts I’ve read on here.

Spindrifts · 07/08/2025 12:48

What about if she scrapes the car and it costs say £3,000 to fix? Who is going to pay for that? You must tell the insurance company or else they may declare your insurance invalid. Just like if someone had some impediment that could affect their driving, the insurance needs to know.

grumpygrape · 07/08/2025 12:45

Sorry, not sorry, OP.Read the room, get a grip and get her insured.

If she’s caught driving without insurance she’ll get 6 – 8 points and a fine but whoever is supervising her will get points and a fine for allowing her to drive uninsured. Are you ready to suck that up ?

Are you trying to get into the Favourite unreasonable AIBU thread ? Or most posts for a stupid OP.

Zempy · 07/08/2025 12:44

Are you serious? She’s been driving around uninsured?

tillythefunlober · 07/08/2025 12:43

get insurance! If you don’t and police see you and pull you over. Your child will be fined and banned from driving for 2 years

loveawineloveacrisp · 07/08/2025 12:41

Erm what?! Of course you need to tell them. Otherwise she's not insured.

Ihatelittlefriendsusan · 07/08/2025 12:40

How are people this thick

Elephantonabroom · 07/08/2025 12:40

flawless234 · 07/08/2025 10:33

You need to add her. there are special insurances whilst having a provisional licence? What on earth did you think would happen if she causes an accident?

BernardButlersBra · 07/08/2025 12:39

Reverse?!

Sunshineismyfavourite · 07/08/2025 12:39

Hopefully the OP has come to their senses now and bought some bloody insurance.
Stupidity and cluelessness are no defence. Unbelievable 🙄

autienotnaughty · 07/08/2025 12:38

Are you practicing on your private land with no other vehicles?
If you are on the road with other cars yes she needs insurance. If she crashes you won’t be covered and more importantly it’s illegal to drive without insurance.

ErrolTheDragon · 07/08/2025 12:38

SixteenClovesOfGarlic · 07/08/2025 12:28

On the vote? Just click the other one.

Show quote history

thanks - it didn’t appear to work in the app but I’ve done it in the browser.

Ownyourchoices · 07/08/2025 12:36

In Australia you don't need to - provided a licensed driver is in the car with them

Shade17 · 07/08/2025 12:36

PinkCampervan · 07/08/2025 12:19

6 points is an automatic ban within the first two years of a full license. She only has a provisional at this point! She'd be banned for a period of time before she even gets her full license and when she's allowed back on the road she'd have astronomical insurance premiums, over and above the already high insurance that youngsters are already hit with. She'd likely be priced out of driving at all, unless she's loaded, which I assume not if she's driving mummy's car rather than paying for lessons or getting a car of her own to learn in.

Show quote history

Not true. If you get six points in the first two years after passing you have to get a new provisional and take your tests again, it’s not a ban.

BloodyHellBob · 07/08/2025 12:35

Honestly, there’s been some mad threads on here recently about people driving and not disclosing facts to the relevant bodies.

of course she needs to be on your insurance!

Looloolullabelle · 07/08/2025 12:33

With all due respect, you’re an absolute idiot.

If the police stop you then your daughter will get 6 points for driving uninsured and you could get a conviction for allowing someone to drive your car uninsured.

Learner driver insurance is quite reasonable, you can either add her to your policy as a named driver or take out a separate learner driver insurance which won’t affect your no claims if she has an accident.

For Christs sake sort it today. So so irresponsible.

ErrolTheDragon · 07/08/2025 12:33

tbh any driver including a learner who doesn’t check that they’ve got insurance cover for the car they’re driving isn’t responsible enough to be on the road.

CalamityGanon · 07/08/2025 12:33

I’m struggling to believe this is real but in any instance https://www.rac.co.uk/drive/advice/legal/driving-without-insurance/Driving without insurance – here are the consequences | RAC Drive

Also you will commit the offence of ‘use,cause or pemit’ your daughter using the car without insurance and face similar penalties.

Driving without insurance – here are the consequences | RAC Drive

There’s no excuse for driving without valid car insurance – because it’s illegal. Here’s our guide to the law and punishments for driving without insurance.

https://www.rac.co.uk/drive/advice/legal/driving-without-insurance/

redgingerbread · 07/08/2025 12:32

This is one of the reasons I’m terrified to drive even though I have a full licence. How are people this dim allowed on the road?!

BananaCaramel · 07/08/2025 12:32

This is quite simply, completely illegal

SDTGisAnEvilWolefGenius · 07/08/2025 12:29

Of course you need to insure her while she is driving your car, @flawless234! If she has an accident and hurts someone, or damages their car, and she is uninsured, she could be in trouble - unless you are planning on lying to the police and the insurance company and saying you were driving - which would be fraud - and fraud that the other driver would be able to prove.

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