Insuring a car when not a registered keeper

Looksguywalker

Oh dear!!!

forgotmyname

LOL
Drop the car off at the local scrapyard and say crush it please.

Then Just hand yourself into the local policestation and save all the hassle.

Your going to get yourself 6 points, And probably banned.

Also you risk your dads licence and insurance also. Whose life will you ruin after youve done yours and his?

System

dacouch wrote: »

You only earn one no claims bonus per policy, if your dad's using it on his other car then he cannot use it on your car

True, but he can negotiate a second car discount. Depending on company this can be substantial.

NCD in itself is meaningless. It's the actual premium that matters.

dacouch

Clifford_Pope wrote: »

True, but he can negotiate a second car discount. Depending on company this can be substantial.

NCD in itself is meaningless. It's the actual premium that matters.

That's true, but finding an Insurer that's happy to negotiate a second car discount with a young driver and the father having his own car is as rare as rocking horse $&£@

Direct Line will at some point request no claims bonus from the OP's father. When correct no claims bonus is not produced they'll either increase the premium or cancel the policy. If they cancel the policy they often base the charge for time on risk (cancellation charge) on the gross premium without no claims bonus which is expensive

System

dacouch wrote: »

That's true, but finding an Insurer that's happy to negotiate a second car discount with a young driver and the father having his own car is as rare as rocking horse $&£@

Diamond quoted £700 for my wife with daughter as a named driver but £500 for my daughter with wife as a named driver.
I don't know whether they call that a second car discount or a duplicate NCD or an introductory bonus or just a plain mistake. The fact is the premium is £200 less and they have confirmed it by phone and in writing.
It wasn't difficult to find or rare - just 5 minutes on a comparison site.

dacouch

Clifford_Pope wrote: »

Diamond quoted £700 for my wife with daughter as a named driver but £500 for my daughter with wife as a named driver.
I don't know whether they call that a second car discount or a duplicate NCD or an introductory bonus or just a plain mistake. The fact is the premium is £200 less and they have confirmed it by phone and in writing.
It wasn't difficult to find or rare - just 5 minutes on a comparison site.

I assume your daughter does not own another car and have no claims bonus. If this is the case then as your wife's premium is more than in your daugher's name then your example does not prove it.