Provisional/learner insurance policies that don't require the car is already insured?

are there any companies that can provide me with a standalone insurance cover? I'm about to buy a car and it's uninsured, so it's throwing a spanner in my unprepared works lol thanks

'learner insurance' came around because as the mainstream insurance market became increasingly targetted to demographics some insurers started to refuse or impose ridiculous additional premiums to add a learner .

In the old days before no win no fee, crash for cash, whipcash, and "Accident management , like for like ,innit " , you just added a learner for a fairly nominal extra premium and got hit for significant but ( still smaller than today's premiums) if and when you passed and still wanted to be on the family car ...


OP should insure the car themselves as main driver with likely supervising drivers as named drivers, unless the vehicle will geneuinely be used more than 50 % of the time by a parent DO NOT put them as main driver , this is 'fronting' and it is pure and simple fraud.

I was insured with Collingwood when I was learning. It was really straightforward, you just have to be the registered owner of the car. It was about £100 a month but if you want it for longer it works out cheaper per week. Goodluck on your test!


Posted from TSR Mobile

You've just totally ignored the OP's question. He said that he's finding it very hard to get learner insurance as the main driver. As a learner driver his parent will always be in the car with him anyway, and the parent is technically the one in charge of the vehicle (which is why they can't text or be drunk), so at worst it'll be 50/50, but then I imagine the parent might borrow it to run to the shops or something which would skew it towards the parent anyway. Once OP has passed, he then transfers to a proper policy in which he is the main driver. No problems!

Adding my girlfriend to my policy as a learner driver actually dropped the renewal price by about 20 quid

As a learner driver, the driver is in charge of the vehicle , not the supervisor.

A supervising driver can be any driver over 21 with 3 years full Licence for the class of vehicle in question

the OP should be insuring the vehicle on a 'proper policy' anyway, as it ;s not currently insured for another driver .

I hope you have nothing to do professionally with the management of driving, drivers and vehicles as your advice is utter rubbish. If you have anything to do with Insurance and hold any of the professional qualifications i'd be questioning the standards of the training provider.

Good thing I don't then! If you think my advice is rubbish, I reckon you'd be better off posting some companies that will insure OP as a learner driver and the policy holder.