Leaner Driver Insurance

[GEF1969]

So would like to get a Learner Driver Insurance for my daughter but its a mind field - any advice would be great the pros and cons of the leading companies out there would be great. Thank you

We've only used Veygo and have been happy with it. DD is having lessons with a proper instructor so we pay by the hour, just to get her the additional road experience. They do longer periods, too. I preferred this option over adding her to my own insurance as it's more flexible and my NCB isn't at risk if she has a bump.

We used RAC , very easy to organise and cheap as an add on .

If you have a car with an insurance policy on it already, Collingwood do temporary cover for learners. We got a 5 or 6 month policy with them for about £180. It only covered ds to drive the car when he was supervised tho.

I found Admiral the best - we have a multi car policy. If she has her own car, try to get the policy in her name. It's more expensive, but the only way to start bringing it down. If you've not got her a car yet, think about getting one in a low insurance bracket - my daughter has a Peugeot 107. Also be prepared for a stiff price hike once she passes her test!

We used Collingwood when our DD was learning in the family car. Very reasonable price and good easy company to deal with.

Another we used collingwood stand alone policy was cheapest on our old family car. The instructor gave us a referral code discount

I agree with all of this, we did the same.

We used Veygo because Ds was insured on my car, the car in question has to have comprehensive cover under another policy, not 3rd party fire and theft. It also meant if he damaged my car it wouldn't be a claim on my insurance but his under the Veygo insurance. He couldn't use a car at uni as nowhere to park on campus or outside the accommodation so it was pointless getting him his own car to sit at our house for half the year.

Veygo can be used for drivers with full licenses too if you ever need to be covered on another vehicle.

Thank you - I narrowed it down to Veygo or Collingwood. Collingwood seems the best buy - going for the 12 months as guessing even if she learns within 6 months we could be waiting 6 months for a test

How did you find them nessiesnotreal thinking of going with them for the 12 months

Thinking of using Collingwood but for the 12 months - they seem reasonable - guessing you found them ok

We didn't need to make a claim, which is when you find out how good an insurance company actually are.

You might want to look at getting a shorter policy then renewing it, as when we took ours out, we needed to cancel it a month early as ds passed his test and they don't issue refunds for unused time like a normal policy does. But it depends on the difference in cost between a short and long policy.

He went with an intensive course, so managed to get the initial test date and subsequent re-tests really quickly - he passed within 6 months of his 17th birthday and re-tests were got within a couple of weeks of failing the previous one.

Is it worth getting learner insurance if you're just going around and driving on the local roads? Like yeah it's technically needed but will anyone find out?

I'm not talking about dual carriageways, but like just taking DC out locally.

😳

Like to the nearby Tesco and back. Or just driving around a route in circles

You might want to look at getting a shorter policy then renewing it, as when we took ours out, we needed to cancel it a month early as ds passed his test and they don't issue refunds for unused time like a normal policy does. But it depends on the difference in cost between a short and long policy.

This is also good advice - and worth remembering that a lot of learner insurance ends as soon as they pass their test so they'll need a lift home from the test centre.

@Devops - I can only assume that you are joking.

and worth remembering that a lot of learner insurance ends as soon as they pass their test so they'll need a lift home from the test centre.

Yes, an important point. The policy is voided once the test is passed.

Very sensible advice, to have a learner driver driving with no insurance. So they start their driving life believing that having insurance is not necessary, and will not be covered in the event of an accident, which lets face it is more likely as a learner, and not in a dual controlled control car.

Then if they do get caught, they wont have their provisional for very long, or are you suggesting that they then drive with no licence 😂

We went with them for 12 months. Found the price really reasonable and the website easy to get a quote and then take out the insurance. Lots of stuff can be done online my logging into your account which I like as I hate having to make phone calls to places if I need info etc.

The 12 months was enough time for her to learn and then pass her test. We never had to claim or anything, which I guess is a good thing, but everything else seemed good. Collingwood Learner had pretty decent reviews on Trustpilot so we went with them.

I took out insurance with Admiral - they cover learners and new drivers, plus new drivers get NCB as named drivers, and so as mine have bought cars they took a first year with Admiral as part of a multicar policy and it saved hundreds...

Whatever it costs as a learner, triple it for when they pass..(ouch) and expect that level for at least 3 years after passing.

Mine have now bought their own cars and after one year of Admiral have been able to move - and found that insurance remains a lot cheaper than similar aged friends who were only on parents policy. One of mine is 20 next month, just bought a Mazda 3 1.6 petrol worth about £3k, and with just one year of NCD he is at £500 with me on the insurance as well. His mate in a 1lt Fiesta is paying £1300 this year, same age and passed test on same day....

@Devops are you for real?
@GEF1969we used Marmalade learner insurance with the car also added to our multicar policy. My son then got Marmalade black box insurance as the main driver when he passed for £100/m (believe it or not that is cheap for a 17 yr old boy) and was given no claims discount for the time he was learning. 1 year after he has insurance for about half the cost of the first year and no black box.
One good tip was to do the theory test ASAP and enter for a practical test whilst starting lessons as there is about a 6 month wait. If your young person is not ready it’s straightforward to postpone an existing test.

@Devops

It is illegal.
It shows a complete disregard for your neighbours and community, your learner driver and responsibility that driving is.

If you do so you will:

• tell your new learner that the laws of our country and the responsibility of driving is worthless and they can break laws as they choose.
• risk having an incident where you owe many, many thousands to someone. What happens when someone steps out on your learner and they flatten them, putting them out of work for the rest of their life? They then sue, and you as the observer next to the learner find you are being sued and have to sell a house to pay....Or what if you just crash into an expensive car and cannot afford to repair it?
• not be teaching your learner enough different roads and situations to pass a test, and certainly not teaching them responsibility of driving a couple of tons of metal around your local community.
• risk £300 and 6 points on your license and £300 and 6 points on learner license. As someone sitting next to a learner you are deemed responsible, so you would be prosecuted more than the learner. It may be that you go to court, in which case the fine is unlimited and you can be banned from driving.

FWIW, one of my friends sons was stopped with his father while learning to drive as they were going so slow and police wanted to check all was OK.

We are with Sterling , £400 for a year with me and dad as named drivers