Is it illegal?

thescouselander

200888 wrote: »

the OP said she has never had a lesson in her life, i doubt she has a provisional....

interesting question though, i never thought of it, as long as you dont lie about anything on your insurance then how could it be illegal? adding someone that never actually drives isnt a lie, you could say that it was going to happen and then didnt get round to driving or something - unless yeh you say they have a licence when they dont

IIRC you are obliged to tell the insurer about anything that might be relevant to your application even if they don't ask about whatever it is directly.

Wig

You could put anyone on your insurance, a lot of them don't ask for second driver address, so it could be your sister or friend at the other end of the country/world

Quentin

This "clever" fraud would come to light in the event of a claim.

Insurers don't devote too much time and money verifying what you say when you apply for insurance.

But come a decent size claim things are different. They will want to check on all the insured's licences.

iolanthe07

I wouldn't risk this - insurers will use any trick they can to wriggle out of paying a claim.

DaveF327

Check your certificate.

"Provided that the person driving holds a licence to drive the vehicle or has held and is not disqualified for or prohibited by law from holding or obtaining such a licence."

If you want to take advantage of loopholes, be absolutely honest and transparent with your insurance company, especially in cases where insurance is a legal requirement.

ginnersinner

But OP is not suggesting for a moment that she is ever going to drive the car! DaveF's certificate proviso is only for people who actually drive it. All the OP has done is added his mother's name as a named driver, which, so long as he's made clear at application that she doesn't have a licence, and the insurance company have accepted that, I can't see why there's a problem. Unless of course he's put on there that she does have one - which would be a whole different ball game!

boyse7en

DaveF327 wrote: »

Check your certificate.

"Provided that the person driving holds a licence to drive the vehicle or has held and is not disqualified for or prohibited by law from holding or obtaining such a licence."

If you want to take advantage of loopholes, be absolutely honest and transparent with your insurance company, especially in cases where insurance is a legal requirement.

But in this case the 'person driving' the vehicle would be the OP and he does have a licence to drive the vehicle. His mum doesn't have a licence, but wouldn't be driving the vehicle so it wouldn't apply.

colino

This is a common and legal way of reducing premiums for younger drivers. Nothing dodgy, put your boyfriend/girlfriend in as a second driver and see the difference to the cost. It appears that couples or joint drivers are seen as a lower risk by the actuaries.

Quentin

boyse7en wrote: »

His mum doesn't have a licence, but wouldn't be driving the vehicle so it wouldn't apply.

When you take out insurance you are asked for the licence details of each driver.

There is no option to insure anyone who has no licence. The only way the OP has managed to get this reduction in premium will be to have (maybe unwittingly) wrongly said his mum has a licence.

Quentin

colino wrote: »

This is a common and legal way of reducing premiums for younger drivers. Nothing dodgy, put your boyfriend/girlfriend in as a second driver and see the difference to the cost. It appears that couples or joint drivers are seen as a lower risk by the actuaries.

You are quite right.

But you must update your insurer on any changes that affect any driver insured on the policy, even if they never actually drive the car - eg. job changes/penalty points incurred/incidents/claims.