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!

I just got insurance for Dd to practice in my car. It's in her name & cost £220 /yr.
Ouch. But, without that (or similar cover) she is driving illegally.
6 points on her licence (lost) would be the least of it if she hits anyone.

She is driving illegally. You’re an absolute clown. She’s the one who is going to end up with a conviction, fines, points on her license.

You cannot drive without insurance. That includes learners. I can’t believe there are people this stupid actually walking (driving) around.

Its depressing but theres a need to consider someone might be killed or have life changing injuries that need adaptations and carers - including your and your daughter - who might then not be able to work - very costly without insurance cover

Presumably this is another wind up thread.

not sur ei understand your logic but anyway its cheaper to insure her before she actually passes

What the fuck have I just read? This has got to be a wind up, surely?

If only they were just walking…

She wouldn’t be banned but both her and the OP would get six points each, her for driving and the OP for permitting.

I refuse to believe this is a serious question. A 30 second google would have given you the answer you need.

God help us all if this is the level of intelligence barrelling around the roads in a ton of metal.

Oh dear.

Or course you need insurance. If she crashes what will you do. You're being very irresponsible. Not to mention it's illegal. How stupid can you be

This can’t be a real post. If it is, you’re in the running for being the biggest moron in the country.

WTF?!?! Of course you need to tell your insurer!!!

So she’s driving uninsured? If she gets found out - from being pulled over, hitting someone or being hit by someone else - she will get 6 points (maybe more) and lose her licence before she even gets it.

Your poor daughter having you as parents, poor kid clulessly believing your bullshit and not realising the crime she's committing. You're absolutely mental OP. She's driving uninsured. If she's caught behind the wheel she'll be in so much shit. Shame on you for "advising" her so badly.

I added my 18 year old daughter, not that we've done any driving yet. I couldn't see how to add her on to the renewal so did it just before - that cost £8 for 3 weeks.
I think the insurance went up about £60- £70 with her on the annual renewal. I think it's once they've passed that theinsurance shoots up. Not RTFT so someone may have already said that.

Your going to get her banned before she even gets her license

This has to be a wind up

6 points is an automatic ban within the first two years of a full license. She only has a provisional at this point! She'd be banned for a period of time before she even gets her full license and when she's allowed back on the road she'd have astronomical insurance premiums, over and above the already high insurance that youngsters are already hit with. She'd likely be priced out of driving at all, unless she's loaded, which I assume not if she's driving mummy's car rather than paying for lessons or getting a car of her own to learn in.

Of course you need to add her.

Learners insurance is needed and will be a lot cheaper than the £££ you will have to pay when she passes.

DS passed his test a couple of weeks ago, once he passed he could no longer drive his instructor's car and we had to cancel his learners insurance on ours and pay a small fortune for him to drive our old corsa as a new driver (3rd party only and still far more than the car is worth)

It's reassuring that 100% of voters think you are being unreasonable

You absolutely need to insure her. Even if she doesn’t crash if you get stopped by the police it’ll be points and a fine for her before she’s even got her licence.

This happened to someone I know, learner's foot slipped and they crashed into a wall. Thankfully no-one was hurt but car was a write-off and they had to pay to repair the wall.

How can a grown up not know this.? A friend did not know to tell her holiday insurance that she had had breast cancer months before. This level of ignorance can subject you to serious legal and financial troubles, not to say the morality of disregarding needs of other road users. If she is not insured, causes damage and cannot pay, we all pay with higher premium.
I despair, do we need to teach basic adulting in schools?