Can I be the main insurer on daughters car

lalamb

Hi

My daughter is buying car, she hasn't passed her test yet but she wants one now to have extra lessons in from me.

To save on insurance, I was wondering if I could insure the car in my name and add her as an additional driver? Someone told me you can't but I'm not sure.

lalamb

usethesearchfunction wrote: »

<<<<<<<<<<<<<<<<<<<<<<<<<< You're not the first to ask this :rolleyes:

Not legally, no. It's fraud (deceiving the insurer in order to get a lower price) and not very clever.

What's with the sarcy face? :rolleyes:

I really wasn't sure, that's why I asked. Glad I did though, better safe than sorry, eh?

pogofish

There are past threads about this here but IIRC, you are on very dicey ground if you do that. Having a claim binned because of deception/fraud is a very real possibility. Unless your kid is truly only an occasional driver.

lalamb

Well, I definitely won't be doing that.

espresso

More info here

espresso

Adding yourself or another experienced driver to her policy should reduce the premium a bit, that's perfectly legal.

vikingaero

Is it your daughter buying the car financially herself or are you?

There's no reason why you can insure the car and add your daughter as the primary or additional driver - as long as the policy has been rated on her. This is not fronting if this happens.

You'll find every time someone asks a similar question, people on the forum will shout "fronting" and that you can't insure something in which you have no financial connection or interest.

lalamb

vikingaero wrote: »

Is it your daughter buying the car financially herself or are you?

There's no reason why you can insure the car and add your daughter as the primary or additional driver - as long as the policy has been rated on her. This is not fronting if this happens.

You'll find every time someone asks a similar question, people on the forum will shout "fronting" and that you can't insure something in which you have no financial connection or interest.

It's my daughter who's buying it.

Thanks for the replies folks, although one was a bit sarcy

She is going to add me as additional driver and see if that works out a bit cheaper.

Hintza

Just wait until you she passes her test. I insured my daughter on her own policy and she duly passed her test a couple of months later. Renewal time came and the asked how many years NCB she said 1 and was then asked how long she had had a full licence she said 9 months...........it was a bit like watching one of these old computers overloading...."Does not compute, does not compute......." It was bit of a struggle to get them to quote but we got there in the end.

jimpix12

I'd say make her the main driver and you the named, you will still save a few quid.

Incidentally. Can anyone explain to me please why if I were to insure myself only it would work out more expensive than insuring my mother/father as a named/second driver? Obviously I'll be driving the car as much, and with another driver there's another risk, so surely it should be more expensive??

vikingaero

spunko2010 wrote: »

I'd say make her the main driver and you the named, you will still save a few quid.

Incidentally. Can anyone explain to me please why if I were to insure myself only it would work out more expensive than insuring my mother/father as a named/second driver? Obviously I'll be driving the car as much, and with another driver there's another risk, so surely it should be more expensive??

When I worked at an Insurer, I saw internal actuarial figures that showed that people with mum or dad on their policy were less likely to have accidents. These type of policyholders are more likely to have mum and dad in the car with them rather than 4 lagered out mates egging them on. Also it was seen as more likely that mum or dad would drive their car to collect them from any beer evenings.