Named as main driver but NOT!

emv

I recently agreed to be a named driver on my au pair's car insurance to lower her premiums & as I may indeed drive the car on occasions. Now I discover that I am named as the main driver which is definitely not the case. As she has made this statement, am I right in thinking that this couldn't be held to be a lie on my part (unless I then signed a statement to say this was true or similar?) I have provided my license details for the insurance company but haven't made any statement. Are there any possible repercussions for me? How do insurance companies check such things?

Emv

dacouch

It is the policy holder who declares that the information they have provided is correct, so if it is not it is them that run the risk of being prosecuted for fraud and having their policy cancelled / void which would make it very very difficult for them to take out any type of insurance again.

If she has taken it out then it is her problem although bear in mind it could mean that any claims may not be paid which could cause problems if your children are injured.

If she has declared you as the main driver then it is likely that she has not selected business use, she will need this if she is driving your children or you around and being paid for it as part of her job.

prowla

It isn't true, is it.
So if something does happen, you and she have given the insurance company the perfect excuse to weasel out of paying.

Snakeeyes21

How would you being a named driver bring down her insurance? Surely adding another driver adds to the price

dacouch

Not if the policy is in her name and she adds a much older driver who she declares to be the main driver. Alternativerly she may have arranged the insurance in the employers name and declared the employer as the main driver.

cogito

prowla wrote: »

It isn't true, is it.
So if something does happen, you and she have given the insurance company the perfect excuse to weasel out of paying.

Do you possibly mean 'to decline a claim on the grounds that they were defrauded'?

cogito

My advice to the OP would be to tell her that if she doesn't rectify the situation she will be fired because she can't do her job when she is effectively uninsured.