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

MarkyMarkD

Endsleigh's position makes no sense.

I insured my first car when I was 17 with a provisional licence. I continued that insurance when I passed my test.

I can't see why any insurer would NOT allow a provisional licence holder to insure as a vehicle owner and main driver, unless they just consider provisional licence holders as too high risk because they'll then turn into new licence holders with the freedom to drive unsupervised.

Astaroth

I'm_With_Stupid wrote:

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?

Poor training? Too heavily targeted on sales?

Thinking about it logically.... if you could randomly put anyone on the policy (family, friend, neighbour, work collegue, teacher, homeless guy that sleeps in the alley down the side your school) and as long as they are of mature age and 1/2 decent driving history and will never drive the car... hell may never even see the car why wouldnt they just lower everyones premium and save the charade?

MarkyMarkD

Whilst I agree that sales staff shouldn't be doing this, nor should premiums be set in a way such that adding additional drivers reduces premiums. If car insurance was priced on the basis of the riskiest driver on the policy, rather than influenced by the better drivers, the issue wouldn't arise.

tomstickland

Well, I've just spent half an hour playing around with my cheapest insurance quote, adding various family members to see what happens.

I'm 34 years old, 1991 H reg BMW, 1 SP30 claim, 2 minor damage claims, own my own home, low risk area etc. 3 years no claims.

All for TPFT

Me : £260
Me + mother (no claims, recent driver, librarian) : £257
Me + mother + father (father is a vicar with a single SP30) : £270
Me + mother + sister (sister no claims, 28 years old) : £297
Me + sister: £270

So adding my mother would save £3!