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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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:
BestieBunch · 07/08/2025 18:23

Is this a joke??

Houseofteenbots · 07/08/2025 18:27

Hunterdorm · 07/08/2025 18:17

Then surely you reported this and let him actually learn from it?

Show quote history

Hes gone from holiday with us to holidaying with his girlfriend and her parents so AFAIK hasn't had a chance to do it again. I asked him what her parents think of this and he said they don't know. It was a long conversation. The upshot was im an idiot and wrong and i don't know what I'm talking about(in his eyes) and he's right and it's perfectly OK because the roads.are quiet and she lives in the middle of nowhere 😕

RubyMentor · 07/08/2025 18:28

Of course your daughter needs to be insured to drive your car, why would you think that she doesn’t need insurance?? It’s actually not that expensive for a learner

lauryloo · 07/08/2025 18:28

Has to be a wind up as OP never came back!

Galatine · 07/08/2025 18:29

The stupidity of many posters on motoring matters never ceases to amaze me!

FlowerGirl1124 · 07/08/2025 18:30

Good lord. If you honestly need to be told that you're BU here OP, you should not be allowed on the roads. And you certainly should not be teaching someone else to drive! Come on now!!

Justthethingsthatyoudointhisgarden · 07/08/2025 18:34

Stunned they've not come back

Bluenan · 07/08/2025 18:40

Are you for real?? You already know the answer! You cannot be that thick. Anyone who is driving a car has to be insured

TiredMummma · 07/08/2025 18:46

What are you talking about - of course she needs to be insured. You don’t have to put her on your insurance but it’s probably the cheapest option- she can get learners insurance for the car or pay as you go

TheNumberfaker · 07/08/2025 18:49

Of course YABU but thanks to those who have given examples of insurance providers. I have a just turned 17 year old who will not be behind the wheel without insurance, so needed to research this.

Talkingfrog · 07/08/2025 18:51

She is driving uninsured which is an offence. As the licenced supervising driver you are probably also committing an offence.
If she has an accident you won't be covered for damage to your car.
You need to get insurance before she drives again. Yes the premium will go up, even though she isn't the main driver. That will always happen when a young or new driver is added to a policy.

JackGrealishsCalves · 07/08/2025 18:52

Repeat what others have said l.
When I added ds to my policy it didn't increase that much, it's when they pass their test that it rockets. Caveat our car was a small Corsa.
But if you don't and she has an accident, your car isn't insured, anyone else's damage/injury will fall on you and if you get pulled over she'll get points for driving uninsured and you'll get points for aiding and abetting, then watch your premiums rocket as you have to declare convictions every renewal.
Is it really worth it?

Fmlgirl · 07/08/2025 18:55

Is this real?

Cheeky19863 · 07/08/2025 19:00

Are you actually for real? Sooo....you, your partner and every other driver on the road needs insurance but you dont think your daughter does? Seriously 🤣

Leaningtowerofpisa · 07/08/2025 19:10

Of all the things I’ve read on mumsnet this is the most idiotic . I’d like to say every day is a school day and no question is a bad question. And of course completely glad you asked. But honestly - where is your common sense? Surely you know that if anyone is driving a car on a road they need to insured. That includes teenagers learning to drive . MORE THAN ANYTHING. Just because you are ‘supervising’ doesn’t miraculously exempt her from having an accident does it? Are you God? Have you even heard of the term ‘uninsured driver’ ? Are you happy paying out of your own pocket if you got a civil claim as she causes an accident and someone sues you ? Honestly the only redeeming feature there is here - is that you actually asked Mumsnet. I’m tempted to think that most semi intelligent people know the answer so the fact you had to ask makes you a) a troll or b) the lowest of intelligence and someone has told you already c) your instincts have kicked in but you want to see if you can get away with it. Get her insured right away. It’s usually a few hundred quid for named driver added to your policy. It goes up massively. When they pass. Try Hastings or Admiral as they are usually cheap for this. God help us all.

Cheeky19863 · 07/08/2025 19:10

pushthebuttonnn · 07/08/2025 10:42

I would just let her drive around an empty car park at night with you. Not out on the road as she may have an accident or get stopped by police. The police can pull up insurance details immediately .

Still illegal! Jesus wept

RosieRR · 07/08/2025 19:29

This must be a wind up. Someone's bored and having a joke.

Biggles27 · 07/08/2025 19:53

This is illegal. Both of you risk losing your licences plus a very heafty fine. Plus if she has a crash and injures someone you could lose everything - all your assets can be taken

i cannot believe someone would be this stupid

RoxyRoo2011 · 07/08/2025 20:11

Haven’t read the comments because I can’t believe they’ll be saying anything different to give your head a wobble. If she’s DRIVING your car, OF COURSE she needs to be insured. I’d be mightily pissed off if an uninsured learner hit me. This is one of those utterly ridiculous posts that makes me question people’s common sense.

40YearOldDad · 07/08/2025 20:13

Shade17 · 07/08/2025 17:16

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.

Which is a ban, as you can only get 6 points in tbe first two years of driving

Laura95167 · 07/08/2025 20:18

if she crashed not only would you not be covered but she could lose her license for driving without insurance.

Either pay to add her or pay for more lessons

NavyTurtle · 07/08/2025 20:20

Good god woman are you really that stupid. If she crashes the car with no insurance, who pays. Unbelievable.

Lisa411980 · 07/08/2025 20:20

If your daughter killed someone not only would they have that on there conscience but that family would have lost someone then to add insult the insurance wouldn't pay out plus your daughter could possibly go to prison not worth the risk insure her

Gigglydancybox · 07/08/2025 20:24

I think if this is a genuine post then you need to hand your licence back as you have no knowledge of the Highway Code, the law, or common sense! TOTALLY IRRESPONSIBLE. People like you shouldn’t be allowed on the road never mind breed. Your daughter would face prosecution for driving without insurance and face hefty premiums in the future ONCE she’s allowed to drive again.

NeedATreat · 07/08/2025 20:34

This has to be a troll post because no one can possibly be this wilfully stupid