MSE Parents Club Part 12

searching_me

elle my driving instructor said to do that really cuts down your insurance x

Glamazon

If you are a named driver then you are named on the insurance policy to drive that car regardless of whether you drive it once a day or once a year.

*removed!* the rest!

right, enough from me!

My_Fathers_Daughter

If you state something at the time of obtaining insurance which is not true, or ceases to be true and you don't inform the insurance company then you may well find that your policy is negated. Which effectively means you are driving uninsured

BeenieCat

Insuring a Car in your Parents Name and having you as a Named Driver

This is a common trick used among new and inexperienced drivers to bring down their insurance quotes. A few years back this was very popular, however nowadays the insurance companies have cottoned on and sometimes it doesn't work out as planned.
In this case you insure your car in your parents name so that the insurance policy isn't in your name. You then get them you add you as a named driver. Although technically this is legal, if you are the main driver of the car you could be found out and have your insurance voided.
The reason insurance works out cheaper this way is the main risk is based on your parent who is a lower risk to insurance companies than you are. We do not recommend this technique as you could end up having you insurance cancelled, the other downfall is that you don't accumulate any no claims bonus as it is in your parents name

http://www.carinsuranceexplained.com/cheaper_car_insurance_tips/named_driver_insurance_tricks.htm

Glamazon

My_Fathers_Daughter wrote: »

If you state something at the time of obtaining insurance which is not true, or ceases to be true and you don't inform the insurance company then you may well find that your policy is negated. Which effectively means you are driving uninsured

Sorry to harp on but I don't see how a named driver can be uninsured.
Oh hang on, are you saying that if the main driver was no longer the main driver the insurance would be invalid?

Buttonmoons

Well the doctors was RUBBISH! Slowest doctor in the world, 20 minutes for her to get my prescription for the pill (a new kind) !!!!!!?! I was also wanting (well demanding) her to prescribe me some sort of magic hair potion to rub on my scalp and stimulate hair growth, so I've had to make another app with her because she is SO slow and SO dull and SO rubbish.

Oh Idris sat his driving test the other week and failed, he kept driving too fast, he passed everything else, just seems to have a boy racer mentality, though to be fair, it was like going 31mph in a 30mph area, and the dude had a "funny english accent" so he couldnt understand what he was saying - OH - and he was apparently dead fat so his @ss was spewing onto the gear stick making things more difficult, so really he should of passed because the bum was preventing him changing gears.

My_Fathers_Daughter

Glamazon wrote: »

Sorry to harp on but I don't see how a named driver can be uninsured.
Oh hang on, are you saying that if the main driver was no longer the main driver the insurance would be invalid?

Yes - if the main driver never drives the car then he is not the main driver...

Even if he drives the car 49% of the time he is not the main driver...(in theory at least - it would be hard to prove that it wasn't 51% that he spent driving it but you get my drift?)

searching_me

oooo jayden like pot farls ...and fresh ravioli ... admittly most of it is on his face but hes eating on his own so im happy x

Glamazon

Thanks Beenie

For me, I started off as a named driver and we just carried it on like that when i got a new car. I shouln't be surprised it was illegal as my Dad suggested it - he borrowed my car once and got it impounded

I'm going home to spend some time with my son in case I get done for doling out illegal advice

BeenieCat

Well the insurance is only invalid if they find out. And if your mam/whoever tells them she drives the car more, they have no reason not to believe that. Or proof. Unless they follow you around, or you tell them the truth.