What's the best way to insure a learner driver?
I have bought a Fiat 500 for my 17 year old daughter to learn in. What is your advice for getting her insured on the car? Her own policy with me as a named driver etc? There are so many options to considered .
Asked on 5 March 2026 by Mad
Answered by
Matt Crole-Rees
There are a few options that you can choose from to get your daughter insured in the Fiat 500 to learn in.
If the car is only being used for the purpose of learning, then your daughter would be considered the main driver of the car and should have a policy under her name, which can then be updated to a full licence when she passes. Remember, the policy will be invalid after passing until this is done so she wouldn’t be able to drive home from the test centre until this is updated. Whilst she is learning, you should be added as a named driver too in case the driving needs to be taken over. The benefit of her having her own policy in her name is that she can build up her no claims bonus for when she progresses to a full licence.
If you are likely to be using the car too, and more so than your daughter, then you should be the policy holder of the car and your daughter a named driver. In this instance, your daughter wouldn’t build up her no claims bonus, and if anything happens and she needs to claim, then this would affect your no claims bonus.
The important thing to remember is to make sure whoever the main driver of the car is, is the main policyholder. Putting yourself as the main policyholder and your daughter as a named driver, but you drive more often would be considered fronting, which is a form of insurance fraud.
The other alternative is for you to insure the car yourself, and take out temporary insurance for your daughter each time she wishes to use it. Though, depending on how long and often you need to do this, it could work out to be the more expensive option.
If the car is only being used for the purpose of learning, then your daughter would be considered the main driver of the car and should have a policy under her name, which can then be updated to a full licence when she passes. Remember, the policy will be invalid after passing until this is done so she wouldn’t be able to drive home from the test centre until this is updated. Whilst she is learning, you should be added as a named driver too in case the driving needs to be taken over. The benefit of her having her own policy in her name is that she can build up her no claims bonus for when she progresses to a full licence.
If you are likely to be using the car too, and more so than your daughter, then you should be the policy holder of the car and your daughter a named driver. In this instance, your daughter wouldn’t build up her no claims bonus, and if anything happens and she needs to claim, then this would affect your no claims bonus.
The important thing to remember is to make sure whoever the main driver of the car is, is the main policyholder. Putting yourself as the main policyholder and your daughter as a named driver, but you drive more often would be considered fronting, which is a form of insurance fraud.
The other alternative is for you to insure the car yourself, and take out temporary insurance for your daughter each time she wishes to use it. Though, depending on how long and often you need to do this, it could work out to be the more expensive option.
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