A practical checklist
- Ask the existing insurer for the total cost of adding the learner.
- Get separate-cover quotes for the same dates and car.
- Compare excesses, fees, claims reporting and cancellation terms.
- Ask specifically how a claim could affect the owner’s no-claims discount.
Important: use the current policy terms and the rules for the part of the UK where you are learning. Product conditions can be stricter than the legal minimum.