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

mackemlass29

Quentin wrote: »

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.

So if the owner went to tax the car say at the post office and he produced an insurance cert and log book and the reg number was different would they not query this? Or do you just need to produce a valid cert?

Quote

There are no loopholes.

Quentin

Jakg wrote: »

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?

An MOT. (Assuming its 3 years+ old)

Quentin

mackemlass29 wrote: »

So if the owner went to tax the car say at the post office and he produced an insurance cert and log book and the reg number was different would they not query this? Or do you just need to produce a valid cert?

You do need an insurance certificate that covers the vehicle to be taxed!

System

Also I would think that even though you are driving this car on your insurance, your father would still have to declare you as the main driver to prevent a charge of fronting which would negate the cheap insurance

Quentin

Why? He won't be driving on his father's insurance policy.

Jakg

!!!!!! wrote: »

Also I would think that even though you are driving this car on your insurance, your father would still have to declare you as the main driver to prevent a charge of fronting which would negate the cheap insurance

No - i'm nothing to do with his policy.

It's my policy extending to his car - he can't exactly put himself as the named driver on a policy he's the only name on!

tattoed_bum

have you tried costing insurance with your dad as a named driver on you policy as this sometimes brings the cost down ,also go through a cashback site ie,quidco cashback kings and always go straight to the insurer not through a broker as this also hikes the price up

Jakg

the cheapest I can get with everything done (inc named driver, pass plus, NCB) etc is from Quinn anyway - and they have no cashback.

movingforward2010

if your only 3rd party driving your dads car and you write it off is he going to be happy having no payout?