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

[flawless234]

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!

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.

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

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.

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

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

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.

You need to add her to your insurance as a learner driver to be legal, shes currently driving your car illegally.

We added our daughter as an additional driver as a learner on our insurance and think it cost about £60. How could you possibly consider not insuring her to drive the car? If she has an accident, you would not be covered. Driving without insurance is a criminal offence.

FFS OP, DD is driving without insurance. Get caught and she's lost her licence before she's even got it. You'll be prosecuted too. Here you go... the official stuff from DVLA:
www.gov.uk/driving-lessons-learning-to-drive/practising-with-family-or-friends

Practising with family or friends
You can practise driving with family or friends. Anyone you practise your driving with (without paying them) must:

• be over 21
• be qualified to drive the type of vehicle you want to learn in, for example they must have a manual car licence if they’re supervising you in a manual car
• have had their full driving licence for 3 years (from the UK, the EU, Switzerland, Norway, Iceland or Liechtenstein)

You can be fined up to £1,000 and get up to 6 penalty points on your provisional licence if you drive without the right supervision.

It’s illegal for:
your friend or family member to use a mobile phone while supervising you
you to drive on the motorway when practising with family or friends

Insurance
You need your own insurance as a learner driver if you’re practising in a car you own. Your family member or friend will usually be covered on this.
If you’re practising in someone else’s car, you need to either:

• make sure you’re covered by the car owner’s insurance policy as a learner driver
• take out your own insurance policy that covers you driving in the car as a learner driver

Now get some fucking insurance you wallop!!! It's not even that expensive whilst they're a learner. Different matter once they pass their test.

This is extremely concerning - are you seriously saying that you aren’t sure whether a learner driver needs to be insured to drive your car? What on earth?!!!

Either insure her or stop the practice sessions.

Wow! I added my learner DS to my policy (& it's only a Fiat punto), he's 20, and it cost almost €900 - it's ridiculously expensive here!

Ah, technically she does have a license.

Damn, didn't spot the user name.

I do sometimes think OPs are too embarrassed to come back though when the weight is so much against them. Some people are genuinely ignorant.

Imagine you wouldn't want to be hit by an uninsured driver, OP.

That's exactly what your daughter is.

You are being unreasonable and reckless, unfortunately. If she hits someone, you and she will be liable under the RTA. You could face criminal charges, too, so it's a bigger issue than just your views on insurance and premium.

You need to add her. Oddly it seems to bring your insurance down in price.

Let’s hope that the reason @flawless234 hasn't come back to this thread is because she has given her head a wobble, and is sorting out insurance for her dd, and not because she is ignoring everyone on here.

This is an obvious wind-up.

We can hope....

So she hits someone and kills them. What then

or she smashes the car into something and causes thousands of pounds worth of damage, can you cover that plus the repair of whatever she damaged and fines for uninsured driver, not to mention she will get points on her licence

i cant believe you are so stupid to believe insurance is not needed

No just tell anyone she crashes into, damages their car or harms that she was only “practising” I’m sure they their insurance company will be fine with that!

You’re being incredibly stupid! She is driving with no insurance, so can be fined and banned all before she’s passed her test! Do you really not see that she’s driving with no insurance!

Skipping over the moral and legal implications of driving without insurance OP, if finance is your main concern you might want to think about not only the fines but what would happen to your premium if you were convicted. And I can't even begin to imagine how much it would cost to insure a newly qualified driver with a driving conviction obtained before they'd even passed their test, assuming any company would insure them at all. But I'm pretty sure that would be a lot more than the cost of just insuring your DD from the outset.
With the proliferation of ANPR cameras these days there's a fair chance you'll be caught even if your DD doesn't have an accident and there doesn't have to be an adverse incident for a crime to be committed. So as well as your actions being illegal they don't even represent a very good financial risk.

Of course you don't ned to insure your daughter to drive your car. Learners are exempt from this, as insurance companies know their parents don't like to pay too much extra in premiums, so they very kindly let them off. If anything happens when your daughter is driving, just tell the other driver your daughter is a learner, and they will happily pay for the damage to their car, and, if you ask them nicely, they will probably pay for your car's damage too.

Likewise, if you are stopped by the police, just tell them your daughter is a learner driver and they will be very accommodating.

FFS this can't be a real question....😡😱

If she's just driving your car on your own land and there aren't going to be other vehicles/people involved and any damage you'll repair yourselves - then crack on.

On a public road or land you do not own she needs insurance.