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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:
Namechange7282829 · 07/08/2025 12:28

She needs learner insurance and the car needs to have L plates. If you’re pulled over and she’s uninsured she’s done for before she’s even got her licence. If she crashes into someone and has no licence or insurance she’s done for. If she drives absolutely perfectly but gets rear ended at a set of traffic lights she’s done for, as are you if you lie about being the driver at the time of an incident. Don’t be ridiculous.

SixteenClovesOfGarlic · 07/08/2025 12:28

ErrolTheDragon · 07/08/2025 12:26

Argh, accidentally clicked the wrong button - there really should be a way to undo!
You cannot be serious , OP!

On the vote? Just click the other one.

rainbowunicorn · 07/08/2025 12:27

This can't be a serious question. Surely nobody is this stupid.

ErrolTheDragon · 07/08/2025 12:26

Argh, accidentally clicked the wrong button - there really should be a way to undo!
You cannot be serious , OP!

Happyhandbag56 · 07/08/2025 12:26

Surely this is a wind up??? Of course your daughter needs learner driver insurance. What if she crashes and damages someone else’s car or your car or someone’s property or god forbid, hurts or kills someone?!

MarmiteRoasties · 07/08/2025 12:26

Never seen a clear 💯 yabu before 😁

Mumsgirls · 07/08/2025 12:24

How can a grown up not know this.? A friend did not know to tell her holiday insurance that she had had breast cancer months before. This level of ignorance can subject you to serious legal and financial troubles, not to say the morality of disregarding needs of other road users. If she is not insured, causes damage and cannot pay, we all pay with higher premium.
I despair, do we need to teach basic adulting in schools?

Mochudubh · 07/08/2025 12:23

CandyCane457 · 07/08/2025 11:46

My parents thought the same as you, and on one of my little “practice sessions” with them, I crashed the car into a brick wall. It cost them an absolute fortune because I wasn’t insured. Don’t risk it.

This happened to someone I know, learner's foot slipped and they crashed into a wall. Thankfully no-one was hurt but car was a write-off and they had to pay to repair the wall.

Frogs88 · 07/08/2025 12:22

You absolutely need to insure her. Even if she doesn’t crash if you get stopped by the police it’ll be points and a fine for her before she’s even got her licence.

LongDistanceClara44 · 07/08/2025 12:22

It's reassuring that 100% of voters think you are being unreasonable

Sixgeese · 07/08/2025 12:21

Learners insurance is needed and will be a lot cheaper than the £££ you will have to pay when she passes.

DS passed his test a couple of weeks ago, once he passed he could no longer drive his instructor's car and we had to cancel his learners insurance on ours and pay a small fortune for him to drive our old corsa as a new driver (3rd party only and still far more than the car is worth)

pinkbackground · 07/08/2025 12:19

Of course you need to add her.

PinkCampervan · 07/08/2025 12:19

Shade17 · 07/08/2025 12:09

She wouldn’t be banned but both her and the OP would get six points each, her for driving and the OP for permitting.

Show quote history

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.

Tollington · 07/08/2025 12:18

This has to be a wind up

Hankunamatata · 07/08/2025 12:16

Your going to get her banned before she even gets her license

Judellie · 07/08/2025 12:15

I added my 18 year old daughter, not that we've done any driving yet. I couldn't see how to add her on to the renewal so did it just before - that cost £8 for 3 weeks.
I think the insurance went up about £60- £70 with her on the annual renewal. I think it's once they've passed that theinsurance shoots up. Not RTFT so someone may have already said that.

PinkCampervan · 07/08/2025 12:13

Your poor daughter having you as parents, poor kid clulessly believing your bullshit and not realising the crime she's committing. You're absolutely mental OP. She's driving uninsured. If she's caught behind the wheel she'll be in so much shit. Shame on you for "advising" her so badly.

Venalopolos · 07/08/2025 12:13

So she’s driving uninsured? If she gets found out - from being pulled over, hitting someone or being hit by someone else - she will get 6 points (maybe more) and lose her licence before she even gets it.

GargoylesofBeelzebub · 07/08/2025 12:11

WTF?!?! Of course you need to tell your insurer!!!

Kibble19 · 07/08/2025 12:11

This can’t be a real post. If it is, you’re in the running for being the biggest moron in the country.

Tablesandchairs23 · 07/08/2025 12:11

Or course you need insurance. If she crashes what will you do. You're being very irresponsible. Not to mention it's illegal. How stupid can you be

honeylulu · 07/08/2025 12:10

Oh dear.

ThatWordDoesNotMeanWhatYouThinkItMeans · 07/08/2025 12:10

I refuse to believe this is a serious question. A 30 second google would have given you the answer you need.

God help us all if this is the level of intelligence barrelling around the roads in a ton of metal.

Shade17 · 07/08/2025 12:09

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

She wouldn’t be banned but both her and the OP would get six points each, her for driving and the OP for permitting.

IleftmybaginNewportPagnell · 07/08/2025 12:09

tumblingdowntherabbithole · 07/08/2025 11:06

Jesus Christ, they really do walk among us.

If only they were just walking…

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