New driver advice

[SIM]

Hi, my daughter has just passed her driving test.

We bought a VW UP manual to get some practice in and for us all to use as a second motor, I am main driver on the policy and while she was learning she took out learner driver insurance.

Because I only have a couple of months left to run on the policy I thought it may just be worth full filling the year, as I had previously had a couple of years of not being a main driver due to going down to one car in Covid. Now having two motors, I have taken up my full no claims again and feel I need to complete this year to round the circle so to speak.

The thought was use a company like Veygo and get her two months temporary insurance on her own policy that will then not effect my no claims if the worst happens. Veygo happy to provide the insurance, so all good there.

I then checked with my insurer Direct Line on line and they are not happy with the idea.

Can anyone give me any advice on a way forward. In two months I will put her down as main driver on the UP and I will transfer mine to a sport car or the like.

Thanks

 

[wessie]

If I am reading this correctly, you will no longer be the main driver of the VW for the remaining 2 months. This is a significant change to your contract with Direct Line.
My advice is to transfer *your* policy to the vehicle of your choice and for your daughter to start her insurance journey as main driver on her car. If she adds older drivers, with clean records, to the policy as secondary drivers then her premium is likely to be lower. She might need to get a telematic box to get a slightly less offensive price, and agree not to drive at night.

 

[LOLGEOFF]

If I am reading this correctly, you will no longer be the main driver of the VW for the remaining 2 months. This is a significant change to your contract with Direct Line.
My advice is to transfer *your* policy to the vehicle of your choice and for your daughter to start her insurance journey as main driver on her car. If she adds older drivers, with clean records, to the policy as secondary drivers then her premium is likely to be lower. She might need to get a telematic box to get a slightly less offensive price, and agree not to drive at night.

The way I'm reading it is he wants to keep the policy in his name for the last two months to finish the years bonus term but also have his daughter insure it too, by a different provider, and claim on that if she has a bad'n?

I didn't think they like having two or more policies on one car incase there is a claim and then have to decide which one would pay out.

 

[wessie]

I didn't think they like having two or more policies on one car incase there is a claim and then have to decide which one would pay out.

that's a factor too

there has been oft repeated advice to make sure you inform your insurer that you have sold a vehicle, rather than let the policy run until you get a replacement vehicle or the policy lapses. Even if you are not the current owner of a vehicle, if a vehicle is still on cover with your policy then a 3rd party can make a claim against your policy. Then there would be the ambiguity of a theft or fire claim for an incident where there is nobody with the car. Would it be on the policy of the last driver or would liability be shared? Plenty of opportunity for lawyers to make some money.

 

[Santa-2512]

I thought the driver was insured not the car ?

So if person A has insurance and they have a claim, it affects persons A NCb only

If person b has a separate policy then they claim on the policy its persons B NCB



Im a bit confused

the op had a 2nd car which he insured, yet made his daughter take out seperate learner insurance ??


Why not add her to the op#s insurance as a named driver then when she passes her test she has a small amount of NCB (assuming there is some) to take to her first solo policy

 

[SIM]

The way I'm reading it is he wants to keep the policy in his name for the last two months to finish the years bonus term but also have his daughter insure it too, by a different provider, and claim on that if she has a bad'n?

I didn't think they like having two or more policies on one car incase there is a claim and then have to decide which one would pay out.

Sorry if I have confused folk, but this is correct and as you say how I understood it to be that you can only have one insurance policy on one car.

I did not want to add her to my policy as I have a other toys and I suppose if she did have a claim, I thought I would then have to declare on all my other policies and therefore out of pocket on a number of vehicles for next 5 years.

I did wonder if it was the person insured and therefore you can have two people with their own separate policy, if one person bumps the car it’s there insurance you claim from and other person does not need to declare on there policy. This is only temporary for a couple of months until renewal time, then I will make her the main driver and me a named driver.
Thanks

 

[wessie]

I thought the driver was insured not the car ?

The insurance is held by a policyholder for a specified vehicle in most cases. The policyholder does not have to be a person or a driver named in the schedule. Think of company or leased vehicles where the owner of the vehicle has insured the vehicle for named drivers or employees. For personal insurance, a vehicle might be owned and insured by a granny who has stopped driving and insured her grandson to run her to and from bingo in her beloved Jazz. The latter happened when my mother turned 73 and did not renew her licence as she had not driven for over a year. My sister and I were named drivers although we did eventually transfer the car and policy into my sister's name when she started using the car for her personal use. This was also Direct Line as in the OP. They were very good and credited mum's full NCB to my sister's policy.

Then there is the situation I mention above. A vehicle needs to be insured when a driver is not present. If two policies exist on the same vehicle, which one pays out if it is stolen from a public car park? What if the battery of an e-car self combusts when parked and takes out a block of flats? Which underwriter covers the third party claim? Which policyholder gets a black mark on their insurance record?

 

[karlp]

The insurance is held by a policyholder for a specified vehicle in most cases. The policyholder does not have to be a person or a driver named in the schedule. Think of company or leased vehicles where the owner of the vehicle has insured the vehicle for named drivers or employees. For personal insurance, a vehicle might be owned and insured by a granny who has stopped driving and insured her grandson to run her to and from bingo in her beloved Jazz. The latter happened when my mother turned 73 and did not renew her licence as she had not driven for over a year. My sister and I were named drivers although we did eventually transfer the car and policy into my sister's name when she started using the car for her personal use. This was also Direct Line as in the OP. They were very good and credited mum's full NCB to my sister's policy.

Then there is the situation I mention above. A vehicle needs to be insured when a driver is not present. If two policies exist on the same vehicle, which one pays out if it is stolen from a public car park? What if the battery of an e-car self combusts when parked and takes out a block of flats? Which underwriter covers the third party claim? Which policyholder gets a black mark on their insurance record?

My understanding is that - at best - the insurance companies would split the cost but I would not be surprised if both policies would refuse to payout - saying 'let the other one pay the bill'

 

[HxH]

Would having for the short time of 2 months, in which time she uses Temporary car insurance on the VW Up not work better. That way you remain as main driver in your VW Up, until it is time to change vehicles.
Temporary Insurance usage when she only requires to borrow your car, say for a weekend, condition being that you have given your daughter permission to drive your car.
After which time she can get her own full insurance cover on her new ownership of her VW Up.

 

[littleade]

When your daughter does insure it in her name check if Direct Line's multicar policy is cheaper for her. It was certainly the case for us when my daughter became the main user of my Clio after she passed her test. She was the main policy holder and we transferred our policies over when they became due. On renewal the cost went up and we all went elsewhere but fir her 1st year and to get her some NCD it worked for us/her.

 

[wessie]

My understanding is that - at best - the insurance companies would split the cost but I would not be surprised if both policies would refuse to payout - saying 'let the other one pay the bill'

in this specific case, the OP has already discovered that Direct Line do not approve of the secondary policy. How do you imagine they will play their cards if they are asked to payout in a situation where there is ambiguity over liability?

 

[karlp]

in this specific case, the OP has already discovered that Direct Line do not approve of the secondary policy. How do you imagine they will play their cards if they are asked to payout in a situation where there is ambiguity over liability?

Not a situation I would want to be in