Learner Driver Insurance Questions

coxmattycox · 16 Sep 2012 at 20:43

Hi all,

My girlfriend is looking at getting a car - she is still learning to drive.

Insurance wise, pricing seems very reasonable but I have a couple of questions.

If she passes half way through the insurance period? what happens, do the premiums automatically get adjusted - IE more. Or is it like when you have an accident, the premium effect does not happen until your next renewal?

Diamond appears to be our best bet, if we use them for the first year as a learner, are we restricted into having to use them the year after?

Also, a quick question regarding named drivers, do they have to be of residency at the same address? Or can myself for example that lives at a different address be added to her policy?

Thanks in advance!

Matt

Clarkey · 16 Sep 2012 at 21:01

You'll have to cough up.

Never mind that though, planning to be learning for over a year??

rodenal · 16 Sep 2012 at 21:03

Anyone can be a named driver doesnt matter where you live.

Once she passes thebchange will be immediate so you'll need to know what the increase will be

blueboy2001 · 16 Sep 2012 at 21:57

My girlfriend was insured with a provisional licence then passed her test back in March. There was no change in premium with Aviva. She's just renewed with them - about £200 less than last year now she has 1 year NCB.

You earn NCB with even with a provisional licence. You can change policy at any time.

I passed back in 2000 but I'm sure it didn't change for me back then either.

Bounce · 17 Sep 2012 at 08:11

You will need to look into the terms and conditions of the contract.

andy_mk3 · 17 Sep 2012 at 10:10

I passed 3 years ago now, my insurance on a provisional was about £1200, went up to £2200 as soon as I passed.

coxmattycox · 17 Sep 2012 at 20:23

Thanks all. Insurance is looking at 800 on provisional and 1100 when passed. Joys of being a girl I guess!

Iamzod · 18 Sep 2012 at 08:37

Depends on insurer, where i work the premium shouldn't be updated until renewal, sometimes it will then increase but hopefully she will also get a years NCD which itself should make a nice decrease.