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!

She needs to be named at least yes - otherwise you and she are not insured which is illegal 🙄🤨

The only place you can do this is your own land that doesn't have public access.

I’d say this has to be a wind up but then I think about some of the stories you hear about people walking around in society and the shit they get themselves into.

If it’s not a wind up, OP - are you fucking on glue?

Of course she needs to be insured! Either on your policy or on her own learner policy.

Driving without insurance is a criminal offence, even for learners. They can still be disqualified, fined and get points on their licences even before passing their tests.

What if she pranged another vehicle, injured someone else, or even someone else ran into the car when she was driving? You would have no cover for the resulting claim.

I also despair and can hardly believe this is a serious question, it's so fuckwitted!

Hang on, so you are asking whether someone else needs insurance to drive your car?

How click baity.

We used marmalade. They were great.

but be prepared for a horrendous bill the day the pass coz insurance for new drivers is a fortune.

@flawless234 If your clueless about this you should not be anywhere near a car in the first place, never mind teaching someone else to drive.

Yes. You need to insure her.

Also driving round supermarket car parks also needs insurance - any road/car park that is used by the public does not count as private land for the purposes of needing insurance. Unless you happen to own a field and she is driving there she needs insurance and you are irresponsible for putting her in the position of doing something illegal. I wouldn’t necessarily think she would know the rules as she is just starting out but you definitely should. Maybe consider your driving understanding if you do not know this stuff.

If you don't know that you should insure her then you should relinquish your own licence too as being too ignorant to be allowed to drive.

I don't believe for a minute you don't know she needs insurance. I think you're hoping that someone will tell you they got away with not having it or that if you plead ignorance you'll be ok.

JFC. I can’t believe how you’re trying to justify this.

Do you not want to pay the increase in premiums? That’s the only reason I can imagine anyone would not consider adding another driver!

Er? They’ve only posted the OP 🤣

Of course she needs to be insured if she is driving on public roads. Surely this is obvious?

Buy learner insurance. You can buy it by the day week or month. It is illegal to drive without insurance.

Does anyone have any experience of this? Yes, literally millions of people. Surely this thread is a piss take.

If you have named drivers only on your insurance, she isn’t insured. If the Police stopped you, your car would more than likely be lifted, as the person driving is uninsured.

If there was an accident, that would be fun sorting out for you.

In the opening post she’s tried to justify it.

It's illegal, of course she needs to insured... what is wrong with some people?

This!

If you dont realise that legally, she needs to be on the insurance, I'm not sure you're the right person for her to be practising with.

My thoughts too. And certainly if she doesn’t know this she certainly shouldn’t be teaching anyone else to drive.

An additional note is that even if you buy separate insurance to cover her, you may still need to inform your own insurer of its existence. Not doing so might invalidate your own policy. Check the terms and conditions or just tell them anyway.

Of course you need to insure her, as per the law.

A 1 second Google result from the Government website:

It’s illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance.

Even if the vehicle itself is insured, if you’re not correctly insured to drive it you could get penalised.

Penalties for uninsured drivers:
The police could give you a fixed penalty of £300 and 6 penalty points if you’re caught driving a vehicle you’re not insured to drive.

If the case goes to court you could get:
an unlimited fine
disqualified from driving
The police also have the power to seize, and in some cases, destroy the vehicle that’s being driven uninsured.