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Car Insurance For >75 + Name driver.

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  • margaretclare
    margaretclare Posts: 10,789 Forumite
    Cviji wrote:
    Hi there, You've misunderstod. It isnt my grandards car, Its mine. I was thinking of insurancing it in my grandards name to save money on insurance thats all. Wether it gets insured in his name or mine is irrelivent as I will still be using it to learn to drive in.
    Thanks for the reply.

    Apologies for misunderstanding.

    Who's going to be teaching you to drive? My original point about booking a course of lessons with a reputable driving school still stands.

    We are both safe, experienced drivers but neither of us would undertake to give driving lessons to a young relative. Let the experts do it and also save wear and tear on your car. We might have 'bad habits' - probably have! - that shouldn't be passed on to a learner.

    Aunty Margaret
    [FONT=Times New Roman, serif]Æ[/FONT]r ic wisdom funde, [FONT=Times New Roman, serif]æ[/FONT]r wear[FONT=Times New Roman, serif]ð[/FONT] ic eald.
    Before I found wisdom, I became old.
  • maclean2
    maclean2 Posts: 709 Forumite
    Hi - the position about whose car it is and who will be using it most seems highly fluid.

    Liverpool Victoria's price depends on it being your grandad's car with him as the main driver and you as an addditional driver ie with less use than him.If you have an accident they will investigate thoroughly andif they feel you have misled them you may well get the claim turned down.

    Be warned !
  • Cviji
    Cviji Posts: 21 Forumite
    Yer I have recognised this as a problem, However, Im not planning on driving stupidly, I am a very careful person and this will minimize chance of me having an accident. In the case that I do, What proof can they have that I have been using the car for the majority of the time. In reality my grandard wont have driven the car. I cant see it being to much of a problem really.

    As far as learning to drive goes, I am fairly confident I can manage without an instructer, Its too expensive and I cant see any real benefits. I may take a couple of lessons when I am ready to take my test.
    Thanks.
  • margaretclare
    margaretclare Posts: 10,789 Forumite
    You may not plan to drive stupidly. It's the other idiots that you have to share the road with that you have to worry about!!!

    Nevertheless, any minor 'bump', even if apparently the fault of the other party, may give rise to questions being asked, awkward questions at that!

    If you can't see 'any real benefits' in being taught properly rather than learning to drive on your own then I can't convince you. It's frightening to hear of such naivete. I can only hope that your guardian angel is on full alert!!

    Aunty Margaret
    [FONT=Times New Roman, serif]Æ[/FONT]r ic wisdom funde, [FONT=Times New Roman, serif]æ[/FONT]r wear[FONT=Times New Roman, serif]ð[/FONT] ic eald.
    Before I found wisdom, I became old.
  • Let's not beat about the bush here, what you are thinking of doing is fraud pure and simple in an attempt to cut down on the premiums. But if the insurance company get wind of it then you'll not only find yourself uninsured but you may also be the object of a prosecution. There's nothing to stop you getting your grandfather insured as the main driver and naming you as the second driver as long as you declare that you're a young learner. And because you're under 25 the premiums will in anycase go through the roof irrespective of whether your grandfather is named as the policy holder or not. So go and get yourself taught professionally and when you've got a full licence then you can think about getting properly insured to drive.
    Snootchie Bootchies!
  • margaretclare
    margaretclare Posts: 10,789 Forumite
    I should have added, there is a reason for motor insurance premiums being so high for young learner drivers or newly-qualified drivers. It is the fact that, statistically, it's this group - males under 25 particularly - who are involved in most accidents, and these accidents are often fatal to themselves.

    It's assumed that it's older drivers who are the most dangerous on the roads. And of course, women drivers have had a lot of stick to take over many years. The insurance companies don't seem to agree. Have a look at this:
    ONE in three young male drivers will write off a car in their first year of driving. Young women are half as likely to do so.


    • ONE-QUARTER of the convictions for causing death by dangerous driving are for drivers under 20, even though this age group represents just 3pc of all drivers.


    • ONE-QUARTER of drivers under 21 who have an accident lose control of their car.


    • MORE than 130,000 under-25-year-olds were convicted of driving without insurance in 2001, more than half of total convictions.

    I got this from: http://www.thisismoney.co.uk/insurance/car-insurance/article.html?in_article_id=402899&in_page_id=35

    Best wishes

    Aunty Margaret
    [FONT=Times New Roman, serif]Æ[/FONT]r ic wisdom funde, [FONT=Times New Roman, serif]æ[/FONT]r wear[FONT=Times New Roman, serif]ð[/FONT] ic eald.
    Before I found wisdom, I became old.
  • Cviji
    Cviji Posts: 21 Forumite
    Let's not beat about the bush here, what you are thinking of doing is fraud pure and simple

    Absolute bull im afraid. I will be declaring im a learner and my age etc. All in doing is having a car insured in a relatives name and having me as a name driver? Tell me sir, What is fraudulent about that?
  • Bossyboots
    Bossyboots Posts: 6,757 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Cviji wrote:
    Absolute bull im afraid. I will be declaring im a learner and my age etc. All in doing is having a car insured in a relatives name and having me as a name driver? Tell me sir, What is fraudulent about that?


    Liverpool Victoria's criteria for insurance state clearly that the policyholder or their spouse has be the main driver of the car. Not only that, to have obtained an online quote you would have had to tick a box stating that the person named in the first two boxes is the main driver of the car. It is clear from your posts that that is not the intention. Therefore, to take out a policy claiming your grandparent is to be the main driver is fraud.
  • margaretclare
    margaretclare Posts: 10,789 Forumite
    Cviji wrote:
    Absolute bull im afraid. I will be declaring im a learner and my age etc. All in doing is having a car insured in a relatives name and having me as a name driver? Tell me sir, What is fraudulent about that?

    Let's put it as simply as possible. You can't have a car insured in a relative's name thereby hoping to cut corners and save money, because the relative - the holder of a full licence - will not be the main driver. You don't even intend to keep it at the full licence-holder's premises AFAIK. This will not comply with the insurance company's terms and conditions. If you don't comply with their T&Cs then any insurance is going to be null and void and you will be personally responsible, as well as your grandad, for a possible injury or damage claim which can be hugely expensive. It is a criminal offence to drive without proper insurance, and proper insurance means you have to comply with the insurer's terms and conditions.

    There are ways of saving money, and 'shopping around' to find the best deal is what this board is devoted to, but there are also ways of cutting corners which are NOT the way to go about saving money.

    Aunty Margaret
    [FONT=Times New Roman, serif]Æ[/FONT]r ic wisdom funde, [FONT=Times New Roman, serif]æ[/FONT]r wear[FONT=Times New Roman, serif]ð[/FONT] ic eald.
    Before I found wisdom, I became old.
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