Learning to Drive - insurance

[BazzaS]

As I understand it, to drive a car as a learner you must:-
- Be insured for the car
- Be accompanied (in the front passenger seat) by a driver who is over 21
and has held a full licence for at least 3 years.
- Display L plates whist driving.

Nowhere do I read that the accompanying driver has to be insured for the car.
So, my question is: If the accompanying/supervising driver is NOT driving the car, does (s)he need to be insured for the car ? And if so why?

Regards

 

[masona]

When my son Adam was learning to drive last year, the only way round it was to put the car insurance on my wife name and Adam as a named driver. Even that cost £1600 for a group 1 car in my wife name otherwise it would cost over £3000 Male car insurance are higher than female under 21.

 

[BazzaS]

My situation is different:
My son owns his own car and is insured in his own name, he is 19.
My daughter is taking driving lessons with a recognised instructor.
To give her extra experience I want to get her insured on my son's car.
Because he is 19 he cannot be the "accompanying/supervising" person.
I will be the supervisor whilst my daughter is the (learner) driver.

My question is whether I need to also be insured on my son's car - especially as I won't be driving it - just being a supervisor.

 

[AdamW]

Presumably, your own insurance covers you for Third Party damage driving other motor vehicles.

So, could be worth speaking to your insurers quickly and finding out if you are covered to tutor your daughter.

 

[breezer]

its a nice idea, but i wouldnt do it. iperhaps others could give their input.

my reason is i have done it once before, and only once, it causes arguments, and if you notice the driver doing something wrong, you just have to sit there, shouting, makes it worse, and you have no brake and clutch to stop the car.

to this day, i do not know how the other driver missed us (as i said i wasnt driving)

 

[Quick Fit]

You don't have to be insured to sit by your son. You only have to be insured if you drive your sons car. So it's ok if you want to give him a few extra lessons.

 

[Zampa]

On the subject....

We wouldnt put our daughter on our insurance because when the time comes for her to go it alone she will have no no-claims bonus whatsoever.

Plus....if she has a dink....up goes our insurance.

Sorry...but she wants to drive..she pays.

Insurance....when we were phoning around for her most if not all insurers said that it was cheaper for her to get her insurance as a learner because she wasnt expected to be on the road as much therefore less chance of having an accident.

One thing to watch out for...you'l see lots of ads in the papers/yellow pages for specialist firms...eg ones for females etc....when we rang them we found that were we put through to big companies like norwich union etc...who gave us the exact same price anyway....

Rip off alert!

 

[Kia]

I've held a provisional license for over 9 years and have had driving lessons on and off, but not actually passed my test yet.

I recently bought a car and had to shop around for car insurance.

I have the benefit of being female and over 25. I also wanted to put my partner and my dad on my insurance (just incase).
I got quotes from most major companies but they were in the region of £950 so I tried (and I know it's corny) diamond.

owner/keeper/primary driver - female over 25 - provisional licence - no convictions
1st named driver - male - full Uk licence over 9 years - 9 points and 21 day ban (all speeding offences) in past 5 years
2nd named driver - male - full UK licence over 9 years - no convictions

third party fire and theft on a 1.4 1991 ford escort - £418!!!!!!!!!!!!!!!!!!