There are a few options you could explore to see what is best for you and your partner, and what could be most cost effective. Your partner could take out their own provisional policy on the Kia, which will cover them for 12 months while they learn. They’ll then need to contact the insurer once they pass to update the policy. You can then be added as a named driver, as you will need to have cover in place for this vehicle too in case you need to take over while out with the learner. This can often be the cheapest option and can help to build their NCB while they learn.


Alternatively, you could add the Kia to your policy under a multi-car policy, or take out a separate policy. In this case, your partner would need to either be added as a named driver. However, this should only be done if you are the main driver of that car. If the car is mostly used for your partner to learn in, then it could be considered as fronting, as the policy holder is not the main driver of the car. It’s also worth noting that if they are a named driver, any claims they make will affect your NCB.


Another option is for them to take out a separate learner driver policy alongside your policy. This provides shorter term cover, and acts as a standalone policy, so won’t affect your NCB. Depending on how long the cover is needed for, this could work out more expensive.


There is more information on options for learner drivers, including how much each policy option could cost here: www.confused.com/car-insurance/learner