Car insurance help

huckster

rikkih wrote: »

ha how do you think i feel!

well he bought the car but i insured it so i guess then legally it is his would this make a difference?

I would suggest that you correct this situation as soon as possible. If your son is the registered owner and keeper, the Insurance needs to be in his name.

If you had the car stolen or written off, you would need to send the Insurers the V5 registration documents. This is when the Insurers will find out you have been fronting for your son. The policy will then be made void, with no pay out.

If your son is involved in an accident causing death or injuries to 3rd parties, the Insurers will be liable, but they will void the policy and then come after you for the money paid out. This would include taking you to court if you did not pay them. I have read recently about someone having to pay an Insurance company £30k in this situation.

gordikin

rikkih wrote: »

my son has the points it is his car but had it insured in my name as it was a lot cheaper i also drive the car?

Of course it was...did you think about fraud at all?

iamana1ias

Isn't it time there was a sticky on fronting? It's getting beyond a joke now.

MILLYMOLLY

Hi quick question
20 yr old son and his dad share the car but son is down as principle driver and his dad as occaisional, but the insurance is in dad's name with his NCB. Son has recently bought a newer car, hes paying for car and dad is paying for insurance. Problem is that the reg doc is in sons name will this matter, does anyone know if this will be allowed

Quote

As a general rule the registered owner and keeper of the car should also be the policyholder.