Is it illegal?

vaio

thescouselander wrote: »

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.

Nah, I’m pretty sure the regulator (FOS) has ruled on this, basically anything an insurance company considers to be a material fact they now need to ask “clear & unambiguous” questions about.

So, if they don’t ask they don’t care and you don’t need to tell them.

babyshoes

Be aware that some insurance companies now ask for copies of licences at the beginning of the insurance period, to avoid this kind of thing, I assume. I am with Adrian Flux who have asked for copies of the licences of all named drivers on the policy. Apparently this allows them to keep their premiums down as they are sure of the facts before any claim is made, or something like that. Doesn't quite make sense because I assume if there was a claim and someone didn't have a licence they simply wouldn't pay out, but for the inconvenicence of a photocopy I have saved a significant sum on my insurance. (I have just reminded myself that I must get that done and sent off soon - oops!)

rev_henry

babyshoes wrote: »

Be aware that some insurance companies now ask for copies of licences at the beginning of the insurance period, to avoid this kind of thing, I assume. I am with Adrian Flux who have asked for copies of the licences of all named drivers on the policy. Apparently this allows them to keep their premiums down as they are sure of the facts before any claim is made, or something like that. Doesn't quite make sense because I assume if there was a claim and someone didn't have a licence they simply wouldn't pay out, but for the inconvenicence of a photocopy I have saved a significant sum on my insurance. (I have just reminded myself that I must get that done and sent off soon - oops!)

Seems a good idea to me. Saves on admin costs of chasing it up later when a claim is made. Most people will be sending them proof of NCB anyway, so its hardly an inconvenience to the customer.

vaio

Nah, sounds like another instance of officiously making life hard for customers to no real reason.

Anyone with licence issues will just go elsewhere for their insurance and what’s the betting they won’t rely on a copy that could be almost a year out of date and request another copy if you make a claim?

lilluigi

Like I said I never would have the guts to do it incase worst came to worst any claim made would be invalid then that money I saved would cost me a fortune lol. I only wanted to see what everyone thought on the matter...rather interesting lol.

Also I loved the idea of trying it with the provisional licence...very creative! Unfortunately the original price went up by about £60 lol.

jimbms

Insurance has to be taken out in the name of the primary driver, i.e. the person who will be driving the car the majority of the time, if another person is stated as a primary driver for the means of reducing the premium cost when that person is not in reality the primary driver then at best you run the risk of your policy being voided due to wrongful disclosure of facts and at worst you could face criminal charges for deception.

Quentin

jimbms wrote: »

Insurance has to be taken out in the name of the primary driver, i.e. the person who will be driving the car the majority of the time

This is bad advice.

The policyholder does not need to be the main driver at all!

jimbms

Quentin wrote: »

This is bad advice.

The policyholder does not need to be the main driver at all!

OK I shall rephrase, the person nominated as the primary driver has to be the one who will be driving the car the majority of the time etc, the person purchasing the insurance and who is also the policy owner has to state who this person is.

zzzLazyDaisy

ginnersinner wrote: »

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

Read what you have said.

A Named DRIVER is just that. Someone who is named on the insurance as authorised to drive the car. Clearly someone who has no licence and cannot drive cannot be a named driver.

In any event I suspect that OP has unwittingly entered incorrect information because most (if not all) policies differentiate between a named driver with a provisional licence and a named driver with a full licence - insurers are particularly concerned about young named drivers who have only recently passed their test, and this tends to bump the premium up significantly.

the182guy

Just get your mum to apply for a provisional licence, then it's all above board.