Put your dad on your insurance-even if he doesn't drive your car!

iceman_2

My dad on mine reduces my premium by about £400!

Nothing remotely fraudulant about it, as he occasionally drives the car. Tho he wouldn't be on it if it increased the premium!

xxMandyxx

MissScarlett wrote:

My dad can't drive, my premium would double :rotfl:

:rotfl: :rotfl:

jackieb

My 22yo son put my name and his dad's on his insurance and it lowered it by quite a bit. He's with elephant.co.uk. I do drive it sometimes and my son is named as the main driver. But if we were to add him to our insurance it would rocket by £300 a year extra. Needless to say he doesn't get to drive our car.

beautifulgorgeous_2

Just make sure that the main driver is listed as such. Insurance companiesare wise to Mum insuring her kids in their car when they are they are the main driver. If they are caught that theinsurance will be rvoked and they will not pay up.

MarkyMarkD

Astaroth

Whilst I agree with you and Gingham about honest disclosure being absolutely the correct way to behave with insurance companies, I also think that you are wrong in two regards:

(1) insuring an additional driver on the offchance that they may drive the car is in no way fraudulent unless you lie about their driving experience and ability or they don't exist (as one post has scarily suggested); and
(2) recommending that people rely on their third party only Driving Other Cars extension to drive your expensive car is frankly ridiculous when you can add them as a named driver, in many cases for no or a negative additional premium.

I don't have my parents insured on my car and I never have, but I can imagine that on occasions it would be useful to do so, so my comments are just intended to be disinterested common sense.

I should also agree wholeheartedly with beautifulgorgeous regarding fronting; it is very obvious to most insurers if people are doing it and you won't get away with lying about who is the main driver of a vehicle.

anniecave

I would agree with MarkyMarkD.
Especially the bit about people relying on third party only driving other cars. I had never thought about that, but it's certainly true.

And I would agree you should never put a person down as the main driver if they are not (even though I know other people who do this - naughty naughty them)

stars_bright

What is the legal position of insuring a second car, owned by mtself, in my name but with my son as the main driver? I did this when my son was learning to drive, as I did not want him to drive our family car. When I took out the policy I explained the situation to Endsliegh they said that they would only let me take out the policy in my name while my son was a learner, after that he would have to have the policy in his name is he was the main driver. I don't understand this as my friend has done the same thing with her daughter, with Direct Line, at their suggestion and has renewed with no problem now that she has passed her test.

Astaroth

As long as they are the main driver and the policyholder would potentially need to drive the vehicle then there shouldnt be any legal issue and it comes down purely to an insurance companies rules

tomstickland

Astaroth wrote:

Of cause doing this is fraud so does have potential repercussions if they catch you

It's not fraud though. You are just listing potential other drivers.
It's more of a "loophole" since the underwriters base their prices on a risk model and have to make some assumption about named drivers usage percentage.

What is there to be caught doing?
Main driver crashes car - they're insured.
Named driver crashes car - they're insured.

The OP was just suggesting adding a named driver such as one of your parents and this reduces the premium slightly in many cases.

I'm_With_Stupid

If it's fraudulant to add someone when they have no intention of driving the car (but theoretically could), then why do the sales people suggest that you do it? When I was getting quotes, they were saying "do you know someone you could add to it, and we'll see if we can get it down a bit for you?" Why would they say this if they had a problem with it? Incidentally, I suggested my stepdad, and it put it up by about £50. Probably because he's a self-employed electrician, and I think that sort of job is high risk.