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

Jakg

scotsman4th wrote: »

What wont start? What have i missed.

Anyways, it's been entertaining, I suspect the op's father is against the whole idea anyways (hence the wanting it all in writing).

Good luck anyway although I have to question the choice of car. If your going to all this trouble, why not get something nice?

My Dad is an !!!! and would never agree to this anyway - but this is just to

I would call a Seat Leon Cupra a nice second car for a 17 year old tbh :P - With "my method" I could buy some wierd import with crazy high insurance no-one else would buy and then just use that :P

I'm getting it in writing because I don't want to be in a situation where Quinn say "oh no we told him he could only drive 100 miles on the phone" and i'm screwed.

Rolandtheroadie

Jakg wrote: »

My Dad is an !!!! and would never agree to this anyway - but this is just to

I would call a Seat Leon Cupra a nice second car for a 17 year old tbh :P - With "my method" I could buy some wierd import with crazy high insurance no-one else would buy and then just use that :P

I'm getting it in writing because I don't want to be in a situation where Quinn say "oh no we told him he could only drive 100 miles on the phone" and i'm screwed.

I'm only at the wind up now. When I was 17 to 21 my insurance was through an Uncle (expensive insurance for 17 year olds isnt a new thing). The penalty points didnt help tho (15 I believe, insurers used to say I shouldnt have a licence but it IS possible. Different offences at the same time apparently).
I even looked into the classic car options but it's unusual to find an insurer that'll touch someone under 21 on a classic policy too.
Just be careful. Dont tell people locally what your up to. Even friends. If anything happens and someone knows someone, it might all come out in the wash.

LadyIndecisive

Jakg, I do like your logical thinking. I posted to query if anyone could define legal owner because I think this is important here. You have mentionned buying the car, or buying it for your Dad. I think there is a risk that Quinn could deem you the owner of the car because of this & choose not to allow the extension to your policy. Registered keeper and legal owner are not the same thing & it's not really been discussed on the thread (or I missed it if it has!).

Jakg

I think I may ask who the owner is defined as in my letter, then...

LadyIndecisive

You definitely need to establish this. HTH.

Quentin

Jakg buys a car, then gifts it to his Dad.

The car then belongs to his Dad.

LadyIndecisive

This is not what Jakg suggested he was going to do.

Working on the information available and his proposed course of action he needs to check who Quinn would deem the owner.

Quentin

I proposed a solution to the concern voiced in your query.

Jakg

I've put that in my letter - just trying to find a place to print the bloody thing out, now!

brandguru

Stop trying to beat the system and commit insurance fraud. This is very similar to 'insurance fronting'

http://www.moneynews.co.uk/5495/zurich-warns-young-drivers-against-car-insurance-fronting/

Your scenario can be related to this. I do KNOW that this is different, however you may think to yourself that being a named driver on somebody's policy is perfectly fine as its "not" your car and you are "not" the main drivers - WRONG. If the insurance company can find a way out of paying in the event of an accident, they will.