Car Insurance : Is my colleague covered?

ijrussell

Is my colleague covered...

She drives a car owned by her husband (registered keeper) to work (and around town etc) and is a named driver. The car is insured in her husbands name.

Her Husband also owns another car (registered keeper) and she is again a named driver while her husband is the main driver.

She has never had insurance in her name , but as been driving for 20 years approx with no claims.

Now I don't think she is insured and have told her this - but she just laughs it off.

So, is she covered??

Thanks!

davetrousers

So she is a named driver on 2 cars (Husband the policy holder for 2 cars) but in reality she is the main driver on one of them?

shelly

ijrussell wrote: »

Is my colleague covered...

She drives a car owned by her husband (registered keeper) to work (and around town etc) and is a named driver. The car is insured in her husbands name.

Her Husband also owns another car (registered keeper) and she is again a named driver while her husband is the main driver.

She has never had insurance in her name , but as been driving for 20 years approx with no claims.

Now I don't think she is insured and have told her this - but she just laughs it off.

So, is she covered??

Thanks!

Of course she is covered! She's a named driver on both policies so is covered.

Insco

I think she is covered, and there should be no problems if she ever does have an accident ( hopefully not) as long as both she and her husband have disclosed all material facts

morg_monster

i have no idea if this is true but i heard that if more than one car is registered at one address, and there are enough driving adults to "go round", a person can't be the main driver on all of them? So in this case (if it was true) the lady should be the main driver on one of the insurances...

i know this is the case in Canada as my poor cousin was banned from taking his driving test for several years, as his family had 2 big cars and a minivan and he would have had to become the main driver on the insurance policy of one of them, which at 16 would have been astronomical...

But it seems ridiculous so I may be talking out of my butt... especially since in the UK for most car insurance you have to be the registered keeper to be the main driver... but then insurance rules can be ridiculous?!

ijrussell

But if she were 17 rather than 37 would she be insured?

Insco

If she was 17 and the main / only user of the vehicle but her Dad owned it and was the registered keeper and insured it to keep the premium down for example, then this could well be an issue.

davetrousers

I think what the OP is getting at is, do we have a case of fronting here?

She seems to be the main driver of a car but is only down as a named driver. The sort of thing people get on their high horse about when a 17 year old does this with a parent.

lisyloo

It sounds to me like she should be the main driver.
If the risk has been mis-represented then they could refuse to pay out in some circumstances.
If someone claims against her then I think the insurer may have to pay out, but if it was a fully comp claim then they could refuse.

With someone aged 17 people are putting themselves at risk to save money.
In this case it seems to be a lack of understanding rather than done to deliberately save a lot of money.
But it doesn't change the fact that the risk has been mis-represented to the insurer.

Insco

That's why I said as long as all material facts have been disclosed. If the Insurers have been advised of the situation there should be no issue. If she has an accident in the car in which the OP says her husband is the main user, then I can see no issue.

Perhaps they use the first car 50/50 - the OP does not say really

They could have a run around as the first care and a very prestigious vehicle for their second car

More info is needed.

OP - has a problem arisen for you colleague?

Steve1981

morg_monster wrote: »

i have no idea if this is true but i heard that if more than one car is registered at one address, and there are enough driving adults to "go round", a person can't be the main driver on all of them? So in this case (if it was true) the lady should be the main driver on one of the insurances...

that is totally 100% cast iron false

the same person can be the main driver on 2 or 3 cars, whilst someone else might only drive one of the vehicles once a week on a friday night to pick the partner up from the pub.