Insuring Car X but then actually driving Car Y insured with your policy?

Jakg · 26 January 2009 at 8:31PM

Back story - I'm 17, and have had to pay (well, my parents have paid) £2,000 to insure my first car (a Proton Wira) - next year (well, come August) it needs renewing, and I'm paying - so I'm looking to see what I can do about the cost.

ATM i've got a quote of £1,125 (using the data so that i'll be 18 with one years NCB like I will be when I need to renew), but I could get a car such as a BMW 316 for the same price insurance wise which is more economical and a much better car, so i've also been thinking about changing cars.

My current insurance (with Quinn Direct) lets me drive my car, but also any other car (albeit it 3rd Party), on the condition it's registered to someone else - now I asked if there were any limits, and the person at Quinn said that the car didn't even need to be insured on it's own, simply that it had to be registered in someone elses name, and that I don't even need to tell the insurance company when I do this.

So, what's stopping me getting an ultra-mega-cheap car to insure and paying £700-£800 to insure it and then going and buying something like this (i.e. a car I actually want), then simply putting my parents in as the registered keeper? I understand they will need to buy Tax (which I would pay for), but will it be allowed for road use without any "dedicated" insurance?

Help please!

JonBoy_SCFC · 26 January 2009 at 8:38PM

technically sounds a good plan! (provided you don't buy a car where you need comprehensive cover, or if the car gets stolen)

the only problem i can think of is the "drive other cars" facility on your policy i think is meant for emergency use only, so better check that with your insurer

Not sure how they would check, or define "emergency use" though:money:

Jakg · 26 January 2009 at 8:58PM

I checked - they said theres NO limits on how much I could drive it.

I'm 17 so fully comp is out of the question - as it is if I claim i'll pay more for the next few years anyway so it's best to go 3rd party and take it if my car gets pranged.

Andy_L · 26 January 2009 at 9:02PM

It will only be 3rd part cover on the "other car". You won't be able to tax the other car as you won't have any insurance docs for it. I believe that if it's unattended on the road it's uninsured so you'd better hope the handbrake doesn't fail

skylight · 26 January 2009 at 9:03PM

The car in your parents name will have to be insured itself. It is illegal to have a car on the road without insurance, and it wont have any at all. Your insurance is for your car, so this one will have none. Then your parents are fined etc for it as its their car.

Jakg · 26 January 2009 at 9:12PM

skylight wrote: »

The car in your parents name will have to be insured itself. It is illegal to have a car on the road without insurance, and it wont have any at all. Your insurance is for your car, so this one will have none. Then your parents are fined etc for it as its their car.

Right - For my Dad (over 50, never made a claim, driving for over 20 years etc) the insurance is £122.97 a year (3rd party - for me it'd be over £2k!).

So it seems all i'd need to do is insure the car twice - just gonna call them up again to double check some things.

EDIT - Or at least I would if their offices didn't close at 7.

mackemlass29 · 26 January 2009 at 9:33PM

You might well be able to drive the other car tpo,but as the other poster has said you have no way of taxing the car as you have no cert and the car will not show up on the motor insurance database,which could also mean you could be stopped by the police on a regular basis

Jakg · 26 January 2009 at 9:38PM

Basically - i'd need to tax it (which needs the car to be insured) - would I need to insure it straight away with the new owner (my parents) or could I just drive it myself until the tax expires, then get my parents insured on it and tax it...

I've had another read through my policy - as long as "my" car is in a working (or viable repairable situation) then i'm allowed to drive another car.

Quentin · 26 January 2009 at 9:40PM

mackemlass29 wrote: »

You might well be able to drive the other car tpo,but as the other poster has said you have no way of taxing the car as you have no cert and the car will not show up on the motor insurance database,which could also mean you could be sto by ce on a regular basis

A car doesn't have to be taxed by its driver, but its owner.

The owner's insurance is all that is needed to tax it.

Quentin · 26 January 2009 at 9:43PM

Jakg wrote: »

Basically - i'd need to tax it (which needs the car to be insured) - would I need to insure it straight away with the new owner (my parents) or could I just drive it myself until the tax expires, then get my parents insured on it and tax it...

I've had another read through my policy - as long as "my" car is in a working (or viable repairable situation) then i'm allowed to drive another car.

The car needs to be insured. (The info Quinn gave you saying the other car doesn't need to be insured was wrong).

Jakg · 26 January 2009 at 9:47PM

So my parents would have to tax it, and to tax it they would have to insure it as well?

That should be it?

What about the other car that I will be using? What is needed for that? It needs to be insured (But it will be), and taxed (which it will be) - but what else? Surely if I buy a cheap £50 banger then it should be fine?

Insuring Car X but then actually driving Car Y insured with your policy?

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