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!

Your daughter needs to be insured, either on your policy or with her own policy. It is illegal to drive a car without insurance regardless of whether you are a learner or not. If you drive without insurance you can get an unlimited fine, be banned from driving and get up to 8 penalty points.

https://www.gov.uk/driving-lessons-learning-to-drive/practising-with-family-or-friends

Good grief

Jesus Christ, they really do walk among us.

The op could be taking her daughter out on private land, not on the public road.
She will probably come back to clarify that.

This surely cannot be real.

The person Driving the car needs to be insured, not the person sitting in the passenger seat!!! Is this a wind up post?

Fwiw, her insurance won't actually be that much while she is learning, its once she passes it will be £££££

Tbh lots of people don’t live their life as compliant and good as most mumsnetters. There are lots of people who don’t measure their value on how well they comply. They just think of the easiest or most convenient way to do things and go with it.

I mean obviously, people wouldn’t be caught without insurance etc everyday if it was that unbelievable

No one can be this thick surely

They walk among us!!

Easy to answer. Do you want to pay on average an extra £5k a year for insurance for life?
If no, hope no one crashes into you or you into them; or buy learner cover.
If yes, do nothing.

Never, never mess with insurers. They can ruin your life.

This cannot be real. Surely nobody is actually that stupid

Crikey it doesn’t cost much to add them, but it will cost a lot if she crashes it or someone hits your car whilst she is driving as she will be uninsured, which is also illegal.

Do not take her again until you have sorted it out, is my advice.

Surely this is a joke, no one can be stupid enough to need to ask this question?

Do what you want if you crash and your daughter is driving your insurance company will love you. No payout. What is she kills someone? Jail?

Also your DD could be banned and fined for not driving with insurance if she is on a public road. She has a provisional license she has to use it in accordance with the law. If she knowingly does not follow the law she is culpable.

Got to be a joke. If you get stopped she will have 6 points minimum on her provisional licence for no insurance rendering her unable to afford any insurance until she's 53!

All this aside just the legal and moral side of the fucking entitlement of driving round uninsured.

And yes I have been hit by an uninsured driver to the tune of £2000

This is a joke surely? Of course you need to add anyone who is driving the car (unless they definitely have some other policy that allows them to drive the car).

We did this too. Doesn't affect your premiums at all.

Do you want the police to seize and destroy your car? Section 165A of the Road Traffic Act 1988 gives them the powers to do just that.

Filing this under:
‘This cannot be real’.
Next!

This is just rage-bait, right?

Would that mean any less liability though? If anything went wrong another party may seek redress and costs. The landowner's insurer might get involved, and pursue an adverse case against them. And criminal liability usually applies anywhere.

So if she knocks into another car , she would have a driving ban by not being insured before she started. You are being very naive

This.

Good grief. Just when you think you’ve read everything on here….
You can’t seriously think she doesn’t need to be insured just because she’s only “ a little bit driving “ 😱

I know there are some stupid people about but … really? How can anyone think this is okay? You would both be in a whole heap of trouble if caught!