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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Car insurance dilemma

42 replies

User246 · 08/09/2018 10:12

I sent off for my provisional licence in July. They wanted further info so I returned all the forms and documents end of august.

Since waiting DH has bought me a car. In my name. Due to be picked up next week.

It looks like my provisional won't be here before we are due to collect.

DH is going to be a named driver on insurance anyway as I am fully aware he has to be in he car while I'm learning and he could need to take over should needs arise.

Right dilemma.... To get insurance for DH to drive car home for one day is £35.

Or would it be ok to get insurance in my name which would be £50 a month and would carry on for the year. (I would not get behind the wheel until licence arrives) all insurance asks is how long I have had licence...less than 1 month?

DH thinks this would be ok and isn't keen on the 1 day insurance as after that we won't be covered while it is at home for theft or such.

I'm unsure as I don't know how long until licence will arrive...or what if forms were lost in the post, etc.

On the other hand dh car insurance covers him to drive any other car as long as owner gives consent. Would this cover him to drive my car even if no insurance is held on my car?

OP posts:
TulipsInBloom1 · 08/09/2018 10:14

On the other hand dh car insurance covers him to drive any other car as long as owner gives consent. Would this cover him to drive my car even if no insurance is held on my car?

Yes and this is the only sensible solution.

Dont drive your car without your license.

Original poster
User246 · 08/09/2018 10:20

I will not drive without my license!!! Would never do that...ever. x

OP posts:
User467 · 08/09/2018 10:23

I'm not sure it would cover him if your car didn't actually have insurance, plus it would probably only cover him 3rd party. I'd give his insurers a call to double check

Finfintytint · 08/09/2018 10:25

Check DH's policy. Some insurers allow this if he is fully comp but others insist on your vehicle being insured as well. He will only be covered third party on your vehicle too.

Sleepyslops · 08/09/2018 10:26

No, your car still needs to be insured.

Can't you put the insurance in his name and you as a named driver?

c3pu · 08/09/2018 10:26

Most insurances that allow you to drive other cars is on the basis that the other car is already insured.

Stops people buying a ford fiesta and driving a Ferrari as second car without shelling out for the insurance etc.

dotdashdot · 08/09/2018 10:26

All cars need to be insured even if they're not being driven unless you've declared them off road so you should have some kind of insurance in place for once you get the car home. Can you insure your husband for a month or so instead of just the day?

loubluee · 08/09/2018 10:28

But you don’t actually have your provisional do you? You don’t know what date they are putting as the start on it? Until you physically have it you don’t now it’s been granted?

GummiberryJuice · 08/09/2018 10:34

How much is it to add the reg to his insurance for a month, it shouldn't be too much as he physically can't drive 2 cars at once?

When you have your provisional make sure when looking for quotes you use a start date of at least 2 weeks ahead, the premium goes up so much if you need it next day, I have just been through all this with my dd.

GladAllOver · 08/09/2018 10:37

Sorry to sound rude, but why are you asking for opinions on such an important matter from random people on the Internet?
The ONLY correct advice you will get is from the insurance company. Ask them.

Scoleah · 08/09/2018 10:41

Does your Husband have an insurance policy elsewhere?
I'm with Direct Line & when we picked up a Car I Spoke to them On Live chat & arranged Temporary insurance. Which I had discounted as I already had a live Policy with them on another Vehicle. Can insure upto 30 days at a Time

ballseditupforever · 08/09/2018 10:43

Have you phoned the Dvla. They are really helpful if you get the right person. They will be able to tell you if it has been issued as the problem might be the posting.

ballseditupforever · 08/09/2018 10:45

Also you can insure a car without having a vAlid licence. One of my parents has had their licence withdrawn for medical reasons. The carer sometimes drives their car. They now have any any driver policy in their name. The insurance company will be familiar with this so just phone them.

dangermouseisace · 08/09/2018 10:45

I would have thought your husband would have had to be the person insuring the car until you passed your test. You can have a different person owning the car, to the person on the insurance. When you pass your test you can become the the "named driver" ie the main one.

BarbaraofSevillle · 08/09/2018 10:47

Sometimes if you buy a car from a dealer you get a few days free insurance included. Might this be relevant in this case?

dangermouseisace · 08/09/2018 10:47

x post, maybe not then judging by ballsedup's post

Original poster
User246 · 08/09/2018 11:02

Yes my husband has insurance elsewhere and is fully comp. I didn't know he could get an extra car added to his policy temporarily....so that is why I asked random people on the internet, for ideas. Thanks

OP posts:
LimboLuna · 08/09/2018 11:07

Your going to need it insured at home in case something happens. Get it added on for 30 days to your husbands policy. That should be enough time for yours to come through

chasinggarlic · 08/09/2018 11:07

You don't have a license so you can't insure the car.

Your DH can use his 'drive other cars' on his own policy but that only covers third party vehicles in the event of a fault accident.

OR

Your DH can insure it for the day.

But, neither of these options will mean the car is insisted when it is not being driven that day.

Your only realistic option is for your DH to take out a policy that covers the car, and when you get a license you cancel that and you insure the car.

Original poster
User246 · 08/09/2018 11:16

Thanks everyone. We are going to call his insurance and get it added for a month.

I told him I didn't think it was legal to insure in my name and saying I had the licence under a month and he agreed so that is completely out now.

Daily policy would be ok to drive home but it wouldn't cover anything happening once it is home.

So going to go with adding to his policy for a month.

Thanks for the opinions and even the less helpful comments (I expected a few tbh lol) if I hadn't asked I wouldn't have known about adding to his policy. I thought you had to take out a temp cover elsewhere which is where we found the £35 a day policies.

OP posts:
Sunnymeg · 08/09/2018 11:19

I might be missing something here, but surely you will need to provide an insurance document in order to tax the car. I suggest that your husband rings his insurance company, explains the situation and asks for their advice. Also re the provisional licence do you know what the holdup is? Saying that you had to send further information sounds like you have had to declare a medical condition.

Original poster
User246 · 08/09/2018 11:23

No medical conditions. I don't have a passport so they needed Id documents and photo which needed signing.

Phoned DVLA and they basically just keep saying wait another week and call back.

OP posts:
Miladymilord · 08/09/2018 11:27

Huh? You will have to have him as the main driver insurance anyway and you as an add on. I'm pretty sure you won't get insurance as the main driver if you only have a provisional licence?

safariboot · 08/09/2018 11:27

Spunds like you've got it planned then :-)

For reference for others reading: Under the Continuous Insurance Enforcement legislation, the keeper of a vehicle (who might not be the owner or usual driver) must make sure the vehicle is either insured or SORNed. Even if the car is locked in a garage never being driven, if there's no insurance policy on it and it's not SORNed then the keeper is breaking the law.

MaxTeyon · 08/09/2018 11:35

Just for reference, most driving other vehicles extensions specifically exclude cars owned by the policy holder or their spouse.