Is it illegal?

asherd7889

Hi, I am a new driver and the insurance rate is very high. I searched for ages and the best quote I could get was around £1400. However I added my mum to the policy and i got a quote of £1020 (which I thought was brill).

It is not illegal for you to do that as long as you are stated the main driver on the insurance policy.
:rotfl:

House_owner

When I added my husband as a named driver on my car insurance, they asked me when he had passed his driving test.

fuzzybear01

Adding me as a provisional driver to my husbands policy reduced the premium by about £300! I'm 24.

skiddlydiddly

Adding my OH on mine brings it down.I have 14 years driving with no claims and am an advanced driver.She has a provisional.Go figure .

pendulum

It's your policy and when they ask you who you want to insure on it (named drivers), I cannot see any fraud in specifying your mother, even if she does not currently have a license. It's not as if they are asking "who will drive the car?". They're asking who you would like to insure to drive the car. Your mother might take and pass a driving test this year, so you might specify her as a named driver just in case she does.

caela_2

lilluigi wrote: »

For my little clio, the best car insurance quote I got was £1200 which I was actually really pleased with.

Dude, that's loads for a Clio! I have a Clio (the old style) and I pay £150 insurance a year. And I thought that was a lot!

Seriously, why are they rinsing you so hard?

To answer your question though, it's not if it's illegal it's more if it breaks their terms and conditions. Should you (God forbid) have to claim, they will rake over all the information you originally gave them and find any reasons to void your insurance. If you 'lied' on the form in anyway, they can cancel the insurance and not pay out! This means, check with them first, just to be sure and take the name, date, time etc. of the person who told you it's ok, or better, get them to put it in writing. You just need to go over everything with a fine-tooth comb. Small things can help lower your insurance (check Martin's article), but also playing around with the quotes helps too. I found that 4000 miles per year is the perfect amount of mileage for a low quote. Anything less and they assume you don't drive enough to be good, anything more and you are at a greater risk from being on the roads so much, so the price goes up. It's not lieing as you estimate your annual mileage anyway, so if it's around this number (not like 10, 000 miles), then it's fine.

Also, car price is important. My car is old and not worth much so I've found listing it as £700 is the perfect price, as anything under £500 and supposedly your car is too cheap to care about and your risk increases, anything over and it's more expensive to replace and your price goes up.

They work in crazy ways, these scammers lol. (Sorry, just hate insurance companies)!

raskazz

vaio wrote: »

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

I don't think so. I have dealt with Adrian Flux on a professional level and they are a very well-run operation - the number of indemnity queries on claims for their clients is very low because they do things that proper brokers do - or at least used to do.

sassy_one

Class as fraud.

If you go to make a claim and they find out that she does not hold a license then this will be considered fraud - not worth the saving of £300 or any amount either!

wealdroam

Sassy, why are you digging up all these old threads?

BeenieCat

wealdroam wrote: »

Sassy, why are you digging up all these old threads?

Cos he's a troll.