Insuring for a learner

[stoofa]

Hi All,
Never been in this situation before - so am genuinely not 100% sure on process.
We are currently one car family with me the only driver - manual.
Wife is learning to drive, automatic only, getting on well and is reaching the point where I believe it'll be worth getting her little run around purchased so she can get some extra between lessons experience.

I am assuming that the process is for her to get insurance on the car as a provisional licence holder - her own policy to start building up that NCB as soon as possible and I would be listed as a named driver on her policy.
I'm not too sure what details are asked of regarding a named driver - however as I am using my NCB on my own car, I cannot also use it on a second vehicle?

I've not checked any restrictions on the "Drive Other Vehicles" section on my own insurance. I know it usually doesn't include vehicles owned by yourself. However I'm assuming if the second car is in my wife's name for both owner and keeper - in theory I could use that cover to be in the vehicle as her supervisor?

Once she passes her test, then of course we have to go back to the insurance company for her - I assume that the premium then takes quite a hike in price as she'll suddenly be "out on her own" as opposed to being supervised?

Cheers for any pointers - if I'm making things more complicated than they need to be etc.

 

[Dup]

As far as I recall you don't need to be insured on her car while she drives, just appropriately licenced (and be over 21, been driving for 3 years yourself):

Driving lessons and learning to drive

Who can teach you to drive, practising with friends and family, driving lessons, insurance, using L and P plates.

www.gov.uk

You could use your DOC to drive the car assuming it's all in her name. As a named driver you usually only get asked for claims/conviction history although I'm not sure how it works if you claim as a named driver with regards to your other policy. Putting yourself on the insurance may make it more reasonable to insure though, and better than using DOC. Putting yourself as the main driver when your wife will use it most (and you have another car & policy) is called fronting and frowned upon and could land you in bother if you need to claim.

 

[sovietspybob]

I don't think you can use DOC for another car owned by your household, well you couldn't with a few companies i used when i last checked that on 10+ years ago. but as said if she's insured you don't need to be on the insurance to be the instructor with her as long as your licence is correct for that.

 

[stoofa]

Cheers for the replies. Not planning on fronting - I want her under her own policy as soon as possible, start building that NCB!

 

[Rroff]

DOC has been tightened up a lot recently, lots of policies it actually isn't even a thing now - you'd be best checking with the insurer on specifics on that even if you have some level of it on your existing insurance.

Generally NCB is specific to a vehicle - you can transfer it but it normally wouldn't be a good idea in this case.

EDIT: Though I'm not sure the situation with things like NCB - if your insurer does it might be worth looking at multicover - I'm currently saving approx. £29/m per vehicle over the best price I could insuring my vehicles separately which is crazy.

 

[Deleted User 298457]

DOC has been tightened up a lot recently, lots of policies it actually isn't even a thing now - you'd be best checking with the insurer on specifics on that even if you have some level of it on your existing insurance.

Generally NCB is specific to a vehicle - you can transfer it but it normally wouldn't be a good idea in this case.

EDIT: Though I'm not sure the situation with things like NCB - if your insurer does it might be worth looking at multicover - I'm currently saving approx. £29/m per vehicle over the best price I could insuring my vehicles separately which is crazy.

Yearly reminder for me to berate you for paying monthly

 

[Deleted User 298457]

Cheers for the replies. Not planning on fronting - I want her under her own policy as soon as possible, start building that NCB!

In a learner capacity it is exactly how my parents did it when I was 17. I wouldn't worry about insuring it in your name with 0ncb and then adding her on a learner.

My quote actually went up once I got my license (presumably as person in control wasn't going to be with me)