Motor Insurance Worries!!!! Help please!!!!

rd150978

Hi

I have registered myself as the main driver on my brother-in-law's van, with every good intention, because it saved him quite a lot of money with him on the policy as a named driver. Now, he has been involved in a minor accident, but the insurance company is asking for the logbook as originally I put I was the registered owner, believing my brother in law to be the actual owner. It seems though, that he has put off actually registering the vehicle under his name for nearly a year, and that neither of us are the registered owners. It's still in his frinds name!
All I wanted to do was save my brother in law a few hundred pounds in insurance. What are the likely outcomes in terms of invalidation and possible penalty??
Please help! Thanks.

gordikin

Good intentions or not what you have done is illegal and fraudulant...it is called fronting. The van is in effect uninsured.

LinasPilibaitisisbatman

On more than one count there has been fraudulent behaviour. not a chance there paying out.

dieselhead

It is illegal to insure a vehicle with yourself as the main driver if in fact you don't actually drive the vehicle most of the time, doing this is called fronting, it is illegal and will render the vehicle uninsured.

The registration of the van is another matter, again if one of you has claimed for the purposes of insurance that you are the registered keeper when you are not, this will further invalidate your claim. Also the DVLA is clamping down on vehicles that have been sold and the notification not sent off, it needs to be sorted ASAP.

andy2004

funny, when my dad insured our car it was registered to his name, he contacted his insurance company to put me on his insurance he told them that I was going to be the main driver, he was only going to drive it when I couldnt, and they allowed this, nothing mentioned about it being illegal.
When my dad passed away the same insurance company then transfered the insurance over to my mums name, making it her car insurance and she told them that she couldn't even drive, she had driving lessons but never took the test, so i definately was the main driver, and named driver. Insurance company was the same company i'm with now CIS.
After 3 years of not owning a car, we found out that the 75% we had on the old insurance was now gone, so it worked out cheaper for me to have my own.

Quentin

What your Dad (and Mum) did was quite legal, and quite different from what the thread topic concerns!

cajef

andy2004 wrote: »

funny, when my dad insured our car it was registered to his name, he contacted his insurance company to put me on his insurance he told them that I was going to be the main driver

You were insured as the main driver which is correct and legal.

If they had stated your Dad/Mum were the main driver and you were a named driver when in fact you were the main driver then that is fronting and illegal, which is what has happened in the OP's case.

RICK..._2

It is illegal, but aslong as you don't tell them that, you may get away with it. Not that i condone it!

Get the logbook sorted out now, get it sent to the insurance and be hopeful they don't investigate it further.

In future get your brother in law to insure it in his own name!