Can someone who has done this before please let me know the rules on the insurance cover needed for someone to sit in on someone learning to drive?

The car is insured fully comp by the provisional license holder, with another named driver, but not me.... What happens when I'm the one sat in the passenger seat? The only cover I have is third party fire & theft in any other car driven with owners permission, but then I'm not driving?

I "thought" you had to be a named driver on the policy. I at least qualify for the "over 21 and held license for 3 years" stipulation.

:confused: Anyone know for sure, 100%?

You are 3rd party (assuming the owner doesn't mind you driving), the learner is fully comp. Only if you are driving does the insurance slip down to 3rd party.

Don't worry about it, she's covered.

Couldn't find it on the DVLA website, but:

From: http://members.aol.com/sje121/docs.htm

"What many people fail to realise is that both the Learner and the accompanying supervising passenger must be covered by the vehicle's Insurance."

Couldn't find it on the DVLA website' date=' but:

From: http://members.aol.com/sje121/docs.htm

"What many people fail to realise is that both the Learner and the accompanying supervising passenger must be covered by the vehicle's Insurance."

As long as you have 3rd party cover, its fine.

I'd want to be full comp though to be honest.

Ah ok. Out of intreague with the lack of information online I called the DVLA to clarify. It isn't a license inquiry at all, it's purely an insurance issue. So basically, call your insurance company and ask them. They'll have a clause on the learner driver's insurance whereby the supervisor is insured on that policy, or just that the supervisor is insured generally. I'd guess your 3rd party cover is fine, but we're talking about insurance companies at the end of the day, so worth a 5min phone call to check.

Hope that helps.

"What many people fail to realise is that both the Learner and the accompanying supervising passenger must be covered by the vehicle's Insurance."

Which he is, he's covered under his own insurance as long as the vehicle in question carries it's own policy - which it does

Had his insurance not covered him 3rd party, then he would need to be a named driver.

Had his insurance not covered him 3rd party, then he would need to be a named driver.

Yes, agreed.

Just wise now checking the learners insurance policy in case it states anything regarding the supervising driver. It isn't a legal thing, its an insurance thing, which could differ per insurance company. Apparently.

OK, I understand I'm covered third party IF I were the driver... I just want to make sure that my Mum being the driver does not jeopardise the fully comp cover she has, if its ME in the passenger seat, not the other named driver.

Sorry if I didn't make that clear. I just want to make sure fully comp cover exists while an un-named driver on her policy is doing the teaching.

Sorry if I didn't make that clear. I just want to make sure fully comp cover exists while an un-named driver on her policy is doing the teaching.

Might be best asking her insurance company about their T's & C's rather than a forum of car enthusiasts, to get the definitive answer

Chris

I don't believe there's any legal requirement for the supervising driver to be named on the car's insurance. You have to be insured to drive, not to supervise.

And I've never, ever, seen anything in any insurer's Ts & Cs referring to any such requirement - and yes, I'm sad enough to have read each set with the many insurers I've used over the years.

Well, as it turns out I more than double her premium as a named fully comp driver.... So dear old Mum, knowing what a safe driver I am.... ( :eek: WHAT? I hear! ) has decided to save her £350 and take the risk on her own shoulders of me driving anywhere on my own policy's TPF&T terms. How am I going to roll a 1.2 auto anyway?

Besides, once she's semi-competant (which I expect her to be on her first day of driving as she's had some experience before of learning & failing tests) I will not need to be driving the car anywhere myself.

You have to question saving £300 against what I could do to this £7.5k car, but I guess she trusts me enough to not warrant the extra layout. Boy, she doesn't know me too well now does she?