cheezemonkhai

Say somebody has a car of their own and I stupidly agreed that I would take them out in their car for a couple of drives on quiet roads with the L plates on.

Do I need to be insured on their car to sit as the "experienced (read **** scared) driver" and assuming I do will my cover which allows me to drive any car third party suffice or do they need to have me on their insurance.

The latter is probably the only get out clause that I might get for this, but it is a serious question.

As for why I agreed to this, well I don't know, but abuse is welcome.

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Kaiserb_uk

I don't think you need to be insured to be the qualified driver onboard. 'Obviously' you would need to be insured to drive their car for them, but check your policy as you may find you're insured (3rd party) to drive anything which isn't owned or hired to you.

devonutopia

If you have a fully comp policy and the person "****" scaring you is fully OK with you driving their car on third party should the need arise, then you're OK. This is what I do with my Mum - She must be trusting because her car is an 05 Nissan Micra worth about 6k odd. Thankfully it's not really fast enough to prang it badly.

Simple answer is YES though, with above criterion met.

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andy2407

Be careful - not all fully comp policies allow "third party cover on other cars" these days.
It was specifically excluded from my last policy with RAC Direct.

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Dr Zoidberg

You require no insurance to accompany a learner driver.
It's handy to be able to drive the car though , just in case something happens

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cheezemonkhai

My insurance allows me to drive any other car third part...

Looks like i'll need to find a better excuse then

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heresmo

As I understand it, a learner driver cannot have insurance on their own account, so if they are setting foot in a car, it must surely be already be insured by someone else with the learner being a named driver, in which case the claim would be against the insured car owner rather the "qualified driver sitting in with"?

IMO if it's a car not separately insured, but "you" can, under your policy drive another car and be covered 3rd party, then no-one else could surely be driving it under "your" insurance cover.

I'd be glad personally to understand this issue.

Best
Mo

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vrswhite

the learner driver has to be named on the cars policy whoevers name that is in. The person sitting with them does not have to be insured on the car they don't even have to have a car!!!!

As long as they have been driving over 3 years and are over 21 they can sit and instruct the learner

that was my understanding but it was about 8 years ago now!!!

smstext

you also need minimuim of 3 years experience too.

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cheezemonkhai

Well i meet all the criteria, I just wanted the insurance side of it clarified.

Any of the ADI's or police officers on here know the answer for sure?

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cjb

No it is possible, or it was a few years ago. Very pricey, I'd bet.

Schern

There's no reason that a provisional licence holder can't insure a car in their own name. They just can't drive it without having someone else (meeting relevant criteria) in the car with them. The person sitting in doesn't have to be insured on the car, but it seems like a good idea in case something happens and the learner gets flustered/scared and wants to take a break.

... and yes it will be expensive.

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ScoobyChris

Also bear in mind that it is illegal to "teach" them to drive as you are not a qualified ADI, however, you are able to passenger with them and comment on their driving and tell them how you would do something differently.

Having had the pleasure of going out with a learner while they were learning to drive, I have decided that I am just too nervous a passenger to be of any use to them. Dual controls are fitted for a reason!

Chris

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KenONeill

AIUI you're allowed to instruct them; just not to accept a fee for doing so.

heresmo

LOL I asked questions of my insurance agent and he asked if I was going to be teaching son. "Heck no!" says I. "You mean WWIII woud break out?" "Yup." Might sit in with him for practice when he's up to test level standard.

The ins broker did say that it could be cheaper to pass test, then wait a year to get own insurance, since a year older and would have some experience as being a named driver.

Sort of on topic, since if a young learner can afford to pay the insurance on his own car, he'd surely be better off spending some of that money on proper driving lessons, since he can't go anywhere in his own car without a proper person. Well I know what I mean.

Mo

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TaviaRS

CM, you do not need your own insurance to be in the car with a learner.

Your cover, which gives your 3rd party in any car, will be OK if you do for any reason need to drive the car, justdon't crash it as you will be liable for repairs to it just like any other 3rd party policy.

You are allowed to teach. You are not allowed to charge for the tuition unless you are and ADI.

HTH

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Chris GB

To confirm what others have said here:

The learner driver must be insured to drive the car. They may be the owner / insurer, or be a named driver of the car on a policy held by someone else.

The accompanying person must be 21 years of age or over AND have held a FULL UK licence for a minimum period of 3 years. Also worth noting that although not the driver, you are in charge of the vehicle officially, so you must not be over the legal alcohol limit and also must not use a mobile phone while accompanying the driver. Surprising how many instructors don't realise the latter. There is no requirement for the accompanying driver to be insured to drive the car or to even hold any kind of motor policy.

It is illegal to provide tuition for money or payment in kind if you are not correctly registered with the DSA to do so.

The key to it is to get your observation working well in advance so you can warn your pupil of anything you think they have not noticed giving them plenty of time to respond. Oh and if in an old style Corsa, the handbrake is less effective than a prayer. This makes stopping noisy and expensive.

Have fun

Chris

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cheezemonkhai

Thanks guys,

I'm managed to avoid being asked again so far, but I'm not sure how long that will last. I've pointed the person at the lesser cost of 10 lessons than a small prang and am hoping they take that route.

Instructors have dual controls for a reason

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Chris GB

IMO, many pupils starting off with an accompanying driver instead of an ADI will take more lessons to pass their test than if they started with proper lessons first. I regularly get pupils who have been taught in a way that sets them up with long term behaviours that take lots of teaching and practice to eradicate. Even simple stuff like a guy I taught last year. He repeatedly stalled the car because he was taught clutch control incorrectly. This went on all the way through his lessons and he even stalled on test

The best bet is for an ADI to start them off. I generally train people up to a "safe" level then advise them to start taking practice lessons when their driving is manageable and dual controls should not be needed. Depending on the pupil, this could be anything from 2 hours to 50+ hours, so there is no set amount of lessons that it will take.

Chris

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KenONeill

- I really struggled with learning proper clutch control until I found a good instructor (who wasn't the first one I tried either). Now I can adapt to a new manual car in minutes. OTOH it always took my mum and dad several hours each, and my dad never accepted that it was his teaching and not the clutch and water-heated manifold that were my problems with his Toledo.