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Can this be done?

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My dad is insured with Asda for his car, anyway, ive been looking on confused.com and putting in for a quote and putting him as the policy holder, on a 1 litre corsa, and then putting me as a named dr… Read More
dean3988 Avatar
7y, 11m agoPosted 7 years, 11 months ago
My dad is insured with Asda for his car, anyway, ive been looking on confused.com and putting in for a quote and putting him as the policy holder, on a 1 litre corsa, and then putting me as a named driver on the policy, and then naming me as the main driver of the car. So can he do this or is it illigal or summat?
dean3988 Avatar
7y, 11m agoPosted 7 years, 11 months ago
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#1
The policy holder has to be the main driver. Also as your dad will be on the insurance database as having another car which he uses his no claims discount on this will stick out like a sore thumb if you have an accident. This only tends to work if you were to be driving your dads car.
#2
I know this used to be a loophole, but (And I am by no means sure! ) I thought that, to be a named driver, you have to be insured in your own right? :thinking:

As I said... not sure though... :?
[Moderator]#3
Your dad would have to take out insurance as the main policy holder, and state you as a second driver. You wouldn't build up an NCB yourself/
#4
bigflump
Your dad would have to take out insurance as the main policy holder, and state you as a second driver. You wouldn't build up an NCB yourself/


But would he still be able to be insured with asda aswell?
#5
yeah he can have 2 different policies with 2 different companies. He will have to be named as the main driver but certain companies will let named drivers build up no claims so long as when you take out your first policy you use the same company as where the car was insured.
#6
Some companies (I've done it with a Co-op policy) will let you name the non-policyholder (you) as the main driver. However, the premium is likely to be higher. Probably only advantageous if your dad has some No Claims Bonus to use on the second policy.
#7
my son has insured himself on a corsa and put his dad on the insurance to bring down the costs but his dad is not the main driver .still brought down his quotes.
#8
1 litre corsa LMAO
#9
If you get a quote at' gocompare' through Quidco you earn £2 for each one. I found their quotes cheaper.
Your dad can only use his No Claims Bonus on ONE policy (which will probably be his own) so be aware when getting a quote. I'd go for getting your own policy with your dad as a named driver..at least you can then build up your own NCB.
#10
SunTzu
1 litre corsa LMAO



Why?

If your' young, it's a brilliant choice of car, due to it's low running costs, and you can insure it yourself and build up your' own No Claims. :thumbsup:
#11
scabbers
If you get a quote at' gocompare' through Quidco you earn £2 for each one. I found their quotes cheaper.
Your dad can only use his No Claims Bonus on ONE policy (which will probably be his own) so be aware when getting a quote. I'd go for getting your own policy with your dad as a named driver..at least you can then build up your own NCB.


Reasonable advice but
1. Don't click through gocompare's quotes. Check whether Quidco do cashback on cheapest companies and get full quote that way
2. Some companies will give a discount if you have NCB even if you can't use it on that policy. Also, quotes are usually considerably cheaper if the policyholder has been driving longer - quote was 50% more for me if I put my son as policyholder and me as named driver!
3. You can build up NCB as a named driver - Direc Line and Co-op definitely do this and, I think Norwich Union/Aviva do as well. Others will, presumably, follow.
#12
tony_s1
You can build up NCB as a named driver - Direc Line and Co-op definitely do this and, I think Norwich Union/Aviva do as well. Others will, presumably, follow.


+1

However the actual cost of the insurance is normally higher on companies that allow named drivers to build up their NCB.
#13
So my mum/dad can take out two policies?

Who would be the main driver be?
#14
Anyone
#15
helllooooo
#16
Everyone dead?
#17
dean3988
So my mum/dad can take out two policies?

Who would be the main driver be?


Main driver = Named policy holder (I'd imagine) ?
#18
Shambolic
Main driver = Named policy holder (I'd imagine) ?


so that would be my mum?

And is this legal lol?

So she will have her policy for her car, and also this one, with me as a named driver?
#19
I did this, my dad (few years ago) was the policy holder and I was named driver on my first car (new 1.6 Fiesta Ghia in 2001 - ah the old Fiesta . . . . good times . . .)

My insurance was £1500 - did it the other way, went down to £350? or so? Was a loophole reccomended by the insurance company at the time believe it or not!!
#20
mbgringo
I did this, my dad (few years ago) was the policy holder and I was named driver on my first car (new 1.6 Fiesta Ghia in 2001 - ah the old Fiesta . . . . good times . . .)

My insurance was £1500 - did it the other way, went down to £350? or so? Was a loophole reccomended by the insurance company at the time believe it or not!!


So your saying you put yourself as the policy holder, and your dad as the named driver?

Well ive just got like £2900 for doin that
#21
dean3988
So your saying you put yourself as the policy holder, and your dad as the named driver?

Well ive just got like £2900 for doin that


Nah m8, pop's as policy holder and me as named - theres a company that lets named drivers accumulate no claims bonus nowadays isn't there?
#22
mbgringo
Nah m8, pop's as policy holder and me as named - theres a company that lets named drivers accumulate no claims bonus nowadays isn't there?


Yes directline for one.

If you want cheaper car insurance go to a broker and have a massive excess £1000-£1500 and limit your miles. Then don't drive like a **** and you wont crash.

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