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Insurance Question..

spikeyjacko Avatar
6y, 10m agoPosted 6 years, 10 months ago
Right here goes.
Mum is the owner of her car.
If I get a car ( cheap one) put her as the named driver and owner of car ( but also state she own's another car) , but me as an additional driver ( with the usage frequency set to me as the main user) is this illegal?
Cheers
Jack
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spikeyjacko Avatar
6y, 10m agoPosted 6 years, 10 months ago
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#1
yes and cheaper insurance 4 u

put as many as possible named drivers(older and expierienced 1's) and you cant go wrong even if they will never drive car takes your premium down
#2
yeah i think thats fine, i did something similar with my partner when i passed my test.
#3
Yes it is illegal, it has a name which escapes me, but it could void your insurance if you had an accident
http://www.swiftcover.com/carinsurance/buyersguide/young-drivers/avoid/
here is a link which explains
#4
yes it is illegal but everyone (who needs to get cheaper insurance) does it - just remember the info you gave when/if you you need to make a claim
#5
keystrokes
Yes it is illegal, it has a name which escapes me, but it could void your insurance if you had an accident


Fronting :thumbsup:

Everyone does it tho.
#6
jamstaruk1972
yes and cheaper insurance 4 u

put as many as possible named drivers(older and expierienced 1's) and you cant go wrong even if they will never drive car takes your premium down


Technically fraud, but there has only been one case to my knowledge of a none payout (and that was because her son was 450 miles away at uni!)
#7
keystrokes
Yes it is illegal, it has a name which escapes me, but it could void your insurance if you had an accident


its NOT illegal as any of the named drivers COULD BE DRIVING CAR just ask them to drive round the block nothing can be done
#8
yer i did it :) so much cheaper it was for me, also did it through direct line and got my own no claims as a additional driver, which when u come to go on ur own counts if you stay with them (also a few others except it) which helps you get a discount
#9
Naughty Naughty, seriously,i think everyone does that,just dont blow it if you have to make a claim & an insurance assessor starts asking questions about why your mum needs blacked out windows & an enormous speaker in the boot lol.
#10
jamstaruk1972;7714297
its NOT illegal as any of the named drivers COULD BE DRIVING CAR just ask them to drive round the block nothing can be done

Yes it is illegal - because they are lying about who is the main driver of the vehicle - therefore they are committing fraud...
#11
to be honest the named drivers dont even need to have a licence as long as they old it bumps down insurance
suspended#12
How can it be illegal if the insurance company allows you to do it?
And yes everybody does it. That's how you get cheap car insurance :)
The only bad thing is you usually don't get no claims discounts though.
#13
I looked at this when I first started driving, but my Dad insisted I had my own policy, even though it was 3 times the price.

My own policy started at £120 a month, but went down to about £70 after doing my pass plus and gaining 1 year NCB, which I thought was quite reasonable. I guess it paid off doing it properly!
#14
not illegal, but the insurance companies will take a dim view of a prang, most check how many cars in the house and price accordingly (as lots do this!)
#15
Are you a young driver?? A good way to get your own policy down is to go through More Than and not drive after 11pm. It halves the premium
#16
wookiemummy;7714564
Are you a young driver?? A good way to get your own policy down is to go through More Than and not drive after 11pm. It halves the premium

do they really say that? how would they no or not if you do :?
#17
xxjadexx
do they really say that? how would they no or not if you do :?


after an accident the other driver has to fill in a report, and if (s)he says 11:30 pm ur stuffed!!!
#18
fsm65;7714646
after an accident the other driver has to fill in a report, and if (s)he says 11:30 pm ur stuffed!!!

oh never heard of that one lol :roll:
#19
They fit a tracking device to the car and it can't more more than a certain distance. You can drive it after 11pm anmd you are insured but you get charged for it, about £30 I think. My nephew has it and it brought his cheapest £1600 quote down to around £700. If he is out after 11pm he is usually drinking so not driving anyway.
#20
It is illegal and anyone saying otherwise is talking out of their backsides. You run the risk of invalidating your insurance in the event of a accident.
http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm
#21
DarkKnight
How can it be illegal if the insurance company allows you to do it?


I guess you don't understand contract law basics then?
#22
if you insure the car with you as owner and add an older experienced driver as second driver it takes roughly 30% off your policy plus you are earning full ncb, my niece and both step sons did it this way and it does work, :) also dont forget to get quotes via quidco as quite a few pay you just for getting quotes ie go compare, as well as for taking out a policy
#23
Its only illegal if you are saying that the parent is the legal owner/keeper of the car when they aren't.

I legally owned my car, it was in my name etc. But i put my mum as the owner/keeper and the main driver and just me as a named driver. Did this for the first 4 yrs as it was impossible for me to afford my own. I then got a new car and decided to do it on my own, but obviously i had 0yrs no claims (i think there is a few insurance companies where named drivers can build up their no claims). Direct Line were the cheapest for me to get insured on my own, but i wish i had paid when i first passed my test as now id have 6yrs no claims.
#24
No as long as she's the owner and registered keeper of the car and you've put yourself as the main driver then it's fine. It's only fronted risk (illegal) if you've put her as the main driver but you'll be driving it more. Just another pitfall to avoid, she can only use her no claims bonus on one vehicle at a time so if she's using it on hers she can't use it on yours aswell. Hope that helps.
#25
If you are the registered owner/keeper of the car, then you cannot say anything to the contrary when you take out a policy. If you need to make a claim, insurers can ask for copy of the registration docs & then all sorts of problems can arise.
If your mother is the registered owner, then yes she can take out a policy in her name, with you listed as the main driver. To be honest, this will still be rated high because they will ask about other cars in the household and it will be very clear (as it should be) that this is your car. Also, if this is an additional car to the household, there will be no "no claims discount" to apply to the policy. If you're lucky, an insurer might offer an introductory bonus (but no guarantees).
You will be better off in the long term having a policy in your own name & start building up no claims discount straight away as this is the only way to get your premium down.
What I suggest to clients is get premium indications for different types of cars before you commit to buying one (I have had parents asking me to get quotes for their children based on different types of cars e.g. corsa's, peugeots, fiestas). You'll be amazed at how much they can vary.

Good luck

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