Help!!Son is stuck 300 miles away from home with his new car .

1984ReturnsForReal_2

1) Buy the car off you son for 1p (no problem he has the V5 I take it)

2) Insure the car in your name with him added with Rac Insurance with massive excess.

3) Pay the 1st monthly premium by card of whatever

4) Son drives back

5) son gives you premium + 1p

6) V5 filled in & returned to DLVA twice

7) Sell car.

8) By something sensible & local.

NoMoneyNoProblem

Insurance is all about money and risk. Insure the risk the main driver is assumed to drive more often so poses the larger risk of being involved in an accident as they spend the majority of the time in control of said vehicle.

A named driver is assumed to only use the car occasionally spending less time driving so is a reduced risk.

An 18 year old boy is statistically more likely to be involvved in an accident than a 40 year old man. So the 18 year old boy costs more to insure on a car as a main driver if dad is only driving the car on a weekend.

A claims department employee for the Royal Bank Of Scotland recently had an insurance claim where a small hot hatch with big alloys sound system and black out windows was written off. The main driver was an 85 year old Granny the named driver was her 17 year old grandson. The insurance policy cost £258 pounds for the year. With the undeclared modifications and the fact the car was obvously the grandsons the Granny now has to pay the difference in the price £3578. Thats the cost of fronting and being court.

brazilianwax

NoMoneyNoProblem wrote: »

Insurance is all about money and risk. Insure the risk the main driver is assumed to drive more often so poses the larger risk of being involved in an accident as they spend the majority of the time in control of said vehicle.

A named driver is assumed to only use the car occasionally spending less time driving so is a reduced risk.

An 18 year old boy is statistically more likely to be involvved in an accident than a 40 year old man. So the 18 year old boy costs more to insure on a car as a main driver if dad is only driving the car on a weekend.

This is not how it works - honestly. You're not even close.

NoMoneyNoProblem wrote: »

A claims department employee for the Royal Bank Of Scotland recently had an insurance claim where a small hot hatch with big alloys sound system and black out windows was written off. The main driver was an 85 year old Granny the named driver was her 17 year old grandson. The insurance policy cost £258 pounds for the year. With the undeclared modifications and the fact the car was obvously the grandsons the Granny now has to pay the difference in the price £3578. Thats the cost of fronting and being court.

1984ReturnsForReal_2

NoMoneyNoProblem wrote: »

Insurance is all about money and risk. Insure the risk the main driver is assumed to drive more often so poses the larger risk of being involved in an accident as they spend the majority of the time in control of said vehicle.

A named driver is assumed to only use the car occasionally spending less time driving so is a reduced risk.

An 18 year old boy is statistically more likely to be involvved in an accident than a 40 year old man. So the 18 year old boy costs more to insure on a car as a main driver if dad is only driving the car on a weekend.

A claims department employee for the Royal Bank Of Scotland recently had an insurance claim where a small hot hatch with big alloys sound system and black out windows was written off. The main driver was an 85 year old Granny the named driver was her 17 year old grandson. The insurance policy cost £258 pounds for the year. With the undeclared modifications and the fact the car was obvously the grandsons the Granny now has to pay the difference in the price £3578. Thats the cost of fronting and being court.

In that case just get the insurance & cancel it as soon as he gets back.

anewman

1984ReturnsForReal wrote: »

1) Buy the car off you son for 1p (no problem he has the V5 I take it)

There is a difference between the "registered keeper" and the "owner" you understand?!

1984ReturnsForReal wrote: »

2) Insure the car in your name with him added with Rac Insurance with massive excess.

We have already established OP does not have a driving license. As soon as they insure the vehicle they will either have to lie and say they have a full license (insurance fraud) or be honest and say they have no license or a provisional (either insurance will be declined or cost a lot).

And either way this would be insurance fraud as it is "fronting". But I guess this point isn't getting through so won't bother saying again.

NoMoneyNoProblem

brazilianwax wrote: »

This is not how it works - honestly. You're not even close.

My mother in law and her grandson would disagree

goldspanners

any insurance quote ive ever had has always been quoted as this price for a period of time i.e. 30 days after quote was given, so why are more than giving a different price now? can you not give them the quote number so they can retrieve it?

i personally think he must have got details mixed up somewhere, more than didnt even quote me £900 for a 1.6 ford focus and ive been driving for 9 years! they tend to favour the older driver.

anyway, its an alfa,so he should have probably just had it towed home to save him the journey as it would probably ended up on the back of a tow truck any way. ( i had to get this in somewhere,surprised no one else did!)

brazilianwax

NoMoneyNoProblem wrote: »

My mother in law and her grandson would disagree

More fool you.

NoMoneyNoProblem

brazilianwax wrote: »

More fool you.

Rather un-called for slander my relative in laws can make there own foolish choices I don't see how that makes me a fool.

MrsE_2

The mother doesn't drive, so even IF she did want to get insurance for him, she can't.