Start with two genuine quotes
Ask the car owner’s existing insurer about adding a provisional driver. Then compare separate learner cover for the same car and dates.
Questions worth asking
- Must the car keep its existing annual policy?
- Who is insured to take over driving?
- How would a claim affect the owner’s no-claims discount and renewal?
- Does cover end immediately when the learner passes?
- What fees or refunds apply if the test date changes?