Learner driver...car insurance as second driver?

Question

Hi there

I bought a car a week ago, i am a learner driver.

I want my mum to be able to take me out in the car in between driving lessons.

The car insurance quotes I have been getting are ridiculously high - no supruse to me, i therefore cant afford the insurance in the upcoming 2 months.

But if my mum is named as the 1st driver on my car, or the main driver until I pass, the insurance would be alot cheaper.

I am very confused as people are saying to me that my mam has to be the owner of the car to be able to do this?

My mam used to take me out in her old car and i used to pay about £30 a month or something as the second learner driver...but doing this on my own car is proving very difficult.

Why??

What insurance compaines allow me to do this. Diamond car insurance said some car insurance compaines allow this but which ones? There are so many out there! lol x

Answer 1

put the car in your mothers name, she insures it and puts you down as named driver its simple



my wife has it done with my son(18) no problem

their with quinn direct(if your Irish or English)

Answer 2

Shehas to be the owner and you a  named driver, most big insurers are aware of parents buying a second car and using for their children. So you should be carefull, insurers swap information and have access to the DVLA site to check on ownership and previous claims. You could sell the car to non related adult and be a named driver with someone you can trust.

Use any of the comparison sites for good deals.

Answer 3

Theoretically, what you're doing is quite dodgy: The registered keeper HAS to be the main driver according to UK insurance company guidelines.. You are therefore better off registering the car to your mother, then insuring in her name with you as a named driver.

However, many people chance it & have a different main driver & registered keeper: It's up to you, but my first suggestion keeps everything straight in case you do have a prang!

I have heard of insurance companies stating that different keeper & main driver is OK, but never seen a company willing to commit this to writing.

Confused.com is pretty good for quotes.

Answer 4

Why?  Because you put the car in your name, which makes you the primary driver, and you are a learner.  You can add your mother to your policy as a secondary driver, but it wouldn't do you much good.

Insurance cost is one of the factors in having and driving your own car.  Better get used to it.

Answer 5

You can, although most insurance companies ask if anyone under 25 will be driving the veichle.  If there is then you will have to pay through the **** for your premium.

Try some of the comparison sites.  If you only watch the BBC and dont know any try moneysupermarket.com, tescocompare.com, comparemoreatdixons.com, confused.com.

Answer 6

You mum does NOT have to be the owner of the car to be insured as the main driver.

Yes only the owner can insure a vehicle (as only they have a financial interest in it). BUT you as the owner can insure YOUR car to be driven by whomever you like.

I have done this as I am currently working abroad and have left my sister with my car. I used Direct Line, but I'm sure lots do it... I'm not advocating any particular company.

That said once you pass your test and become the main driver you should change the insurance accordingly even though yes it will cost more I'm afraid.

If you don't, the insurer could refuse to pay out on any claim. As others have said this is an old trick and insurers are getting increasingly wary of it.

You don't have to sell the car or reregister it in someone elses name, what you want to do is fairly straight forward.

Answer 7

http://www.maxpower.co.uk/wwf/forum/foru...

There are a few interesting things that might make you better informed in the link.