Learner Drivers

[ParsleyDumpling]

Hi, do you have to inform your insurance company if you are teaching your son/daughter to drive in your own car? They are also having proper lessons.

[barry1010]

Yes, if they are driving your car they need to be insured.

[ToraToraTora]

well they have to be insured to drive it, so I'd say yes.

[ToraToraTora]

.... and prepare to be shocked!

[AuntPollyGrey]

Yes you have to put them on your insurance as a named driver -and wait for the shock : your Insurance company may not accept a driver with just a provisional licence, or will hike your premium up. A few years ago I wanted to put my 17 year old on my small family car while he was learning to drive -they wanted and extra £700. In the end we bought him his own car for £500 insured in his name and it worked out cheaper in the long run. When he passed his test his premium went up for the first year but halved the second year.

[ToraToraTora]

APG, how long ago was that? £700 is very cheap, I'd expect thousands these days.

[AuntPollyGrey]

APG two years ago to put him on my Insurance it was going to go up from £279 per year to just over £1000. We bought his little Ibiza for £500 and the insurance for him was about £850 for the year until he passed his test. When he passed his test it went up to £1200 with a black box, then this year, because he showed himself to be a good driver its gone down to £ 750.

[ParsleyDumpling]

Thanks for your replies, everyone. I didn't realise he had to go on as a named driver (things have obviously changed since my Dad took me driving back in the eighties). We will just have to see what price the insurance company pluck out of the air.

[ToraToraTora]

even in the eighties he would have needed to be a named driver.

[Mozz71]

Yup, they have to be added as a named driver, and it will cost a pretty penny. It used to be cheaper to add a provisional license holder than a full one under the age of 25, due to the fact that you will also be in the car with them, but whether that is still the case, I can't tell you.

[ParsleyDumpling]

Quite probably 3T, but I very much doubt it would have crossed his mind to do so.

[THECORBYLOON]

You don't need to add them as a named driver.

This company does it for a typical price of about £220 for 180 days' cover.

https://www.wearemarmalade.co.uk/learner-driver-insurance?utm_source=google&utm_medium=cpc&;gclid=Cj0KCQjw3ZX4BRDmARIsAFYh7ZLxFB_2krG_Rug2bsjj7yO96u2gVR-9NjTNPe5tyHIWCt7ahaeyDxMaAkSZEALw_wcB&gclsrc=aw.ds

[barry1010]

That sort of insurance didn't exist when my kids were learning to drive. Good article about learner insurance in The Guardian https://www.theguardian.com/money/2017/aug/12/young-learner-driver-insurance-cost-pay-per-hour

[THECORBYLOON]

I see the Guardian article mentions Marmalade, the folk in my link.

[barry1010]

Yes, and several others

[fiction-factory]

Apart from the costs of insurance (although thecorbyloon's link suggests the cost can be less with the right provider) I think it can be quite a stressful experience for parents and children, so we felt it was worth paying for lessons.

[THECORBYLOON]

I wasn't concentrating on Marmalade, they were the first ones I found when doing a search.

Never heard of them but the Guardian article says they claim to be the largest in the field and they're not on comparison websites.

That is something to mind on when looking at prices on a comparison site.

[THECORBYLOON]

Even if paying for lessons, it might be worth having the option of an extra few hours with someone else as and when needed.

[ParsleyDumpling]

Thanks TCL, my husband did mention something about paying £1.80 per day extra, I wonder if he was thinking of this.

[calmck]

When my daughter was learning to drive I bought her a car and we were both on the insurance. She had lessons and then she would drive locally with me as passenger and I would take over when we used motorways. Worked well

[THECORBYLOON]

I looked for costs of adding my nephew to mines a few year ago and was amazed when I seen the price of a pound-odd a day.

I thought that was a bargain til I seen it was based on having paid for six months' cover.

It's still a lot cheaper than getting your son added as a named driver.