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!

OP should move to Australia where you don't need to add learners to your policy for driving supervised in your car! (Only get their own policy if it's their own car.)
I'm a Brit in Oz, and after DS got his L plates, we waited 3 weeks til driving cos I kept forgetting to call the insurers. Once I did finally call I was gobsmacked. No need to add him - his name nor pay more. I Googled it and other Aussie car policies are the same. Bonkers!

This.

Please tell me this isn't real and there aren't people out there letting their children drive around in their cars uninsured.

You can go back and change your vote.

There's a specialist insurance for learner drivers. They take it out. Can drive any car while they are learning. It protects your no claims bonus. Can be taken out a month at a time. I did it for my granddaughter when she was learning. It's not expensive. Google it.

Wow! Is this serious?

This must be a joke - for your kids' sake, don't take them out any more. One bump and not only will they lose their provisional licence, no insurance is a minimum of 6 points, which is an automatic ban on a provisional licence. Plus what ever fine they want to give you. They will not be able to afford insurance when this is spent, as they have to disclose this for 5 years to insurance and depending on what job they want to do when they are older, it may affect them, due to a criminal conviction and will need to be declared regardless of the Rehabilitation of Offenders Act 1974.

You know it's needed, as you even mentioned about your premium going up.

It's stupid like this why kids insurance is so bloody expensive.

So you want your DD to have an IN10 on her licence before she obtains a full licence? You will also obtain a IN12 at least!
Then see how your premiums increase.

😂😂😂 surely rage bait!

If this is serious then your own licence should be taken from you, never mind hers 🤣

Not just kids insurance that is expensive - DS was 22-23 when learning and still a ridiculous price and even more once he passed his test.

no insurance is a minimum of 6 points, which is an automatic ban on a provisional licence

Nonsense. The 6 points carry forward to the full licence when you pass your test.

Oh look another post and run froth thread

Sounds like a wind up. OP not returned and hard to believe anyone is this ignorant.

You can get points on a provisional licence. And you can be banned for driving without insurance if the case goes to court. 6 points and £300 fine is the minimum unless I've read it wrong.
6 points within 2 years of passing your test leads to you having your licence revoked anyway so if the points were carried forward, the minute the driver passed their test they'd lose their licence and have to start the whole process again.
https://www.gov.uk/penalty-points-endorsements/new-drivers

Is this a joke? Of course you can’t allow her to drive your car without insurance - it’s a criminal offence for both of you!

£5 says 'the OP' is actually the daughter testing the waters about whether or not to ask her mum to put her on the insurance or whether she'd get away with her big brother taking her out without letting on.

6 points for someone whose held a licence for less than 2 years IS a ban!

On a full licence not a provisional.
Yes, it's bonkers but correct.

Of course you do! Christ on a Bike - which is what you will both be on if she has a prang or someone runs into her!

It cost £400 for the year to add DS to our insurance as a learner.

There are much cheaper ones I think, but sometimes you are merely paying for the Certificate of Insurance and actually having a successful claim paid out is as likely as a chocolate tea-pot, so read the small print.

Of course you can get points on a provisional, I’m not disputing that. The six points won’t be counted towards the two year probation period as that’s AFTER passing your test. Most simple insurance offences are dealt with by a fixed penalty these days anyway.

REALLY!!!!! This can be real but just incase it is and have no common sense get a learner insurance straight away as she is driving without insurance and will loose her licence before she gets it. Learner insurance is cheap.

Jesus Christ

If you need to ask this question you should absolutely not be supervising her in the car.

She would get six points on her licence for driving without insurance and would be banned from driving at that stage due to her age/ not having passed her test.

What exactly is the bloody thought process here?
You are worried about paying a bit extra on your premium, but not so worried about paying to replace the car and for solicitors ect if there is an accident and your insurance is void so you have to foot the total bill?
😬

It’s about an extra £80 per year for a learner driver.
vs
car replacement /repair
solicitors
points on your liscence
potentially a fine

genuinely what are you thinking???

If you need to ask this question, I’m not sure you should be driving, never mind teaching anyone else! 😂