Fictitious named drivers.....

tahrey

£1000 excess :shocked: how come?

Anyway, never mind that. When you say that the quote system "won't have" your mum as a named driver, does it tell you why? Is she over 70, etc? If it's a single insurer rather than a comparison engine, it may be worth ringing them up and seeing if they can quote it with her on over the phone, because at least that way you can maybe get a better answer out of a human than a machine, and if it fails unexpectedly for them also they might be quite grateful (though probably NOT financially!) for having this bug in their system pointed out.

Regardless of what else goes on though, the golden rule still remains: Do not lie to your insurers, because there's enough of a chance of getting caught out to make it totally not worth it. Say you have a freak blowout that sends you ploughing through a crowd of schoolkids walking along a pavement alongside a 40mph road, and the survivors all make compensation claims... but your insurance is voided because of fraudulent details... that's a financial bum-invasion that you may never fully come back from.

There is no requirement for a named driver to ever actually drive the car, if they're put on as "occasional use only", mind (higher classes of use may mean they have a fraud prevention officer spot-checking...). So as long as you find a qualifying person who agrees to be put on there, you're away. I've done that with my mum as it shaves a few quid off, and it would be quite handy if e.g. I'm on holiday & her car needs to go in the garage, she can borrow mine and have fully comp cover on it for the few days she's driving it. Unfortunately she won't return the favour as I would put her premiums up quite a bit!

Quentin

tahrey wrote: »

£1000 excess :shocked: how come?

Taking a £1000 (or more) excess is a good ruse when all you want is legal cover on a car not worth claiming on.

(TPFT is often more expensive than fully comp, so taking a massive excess which you will never have to pay can reduce the comprehensive premium further)

stugib

scheming_gypsy wrote: »

when I left all the same details except making her younger and said she was my partner / spouse, it went through and knocked a fiver a month off the premium.

** Note ** it's a question only, as instead of making up a person I could add my next door neighbour on who's around the age of the made up person.

I expect it's the partner/spouse status that's made a difference, not the personal details of the named driver. This effectively changes your risk details and the rating of the policy from driver+named others to driver+spouse. i.e. you're lying about yourself and not just the other driver, which is a whole lot more risky. I don't think using the next door neighbour would have the same effect without lying about the spouse relationship.

olly300

scheming_gypsy wrote: »

Would it be possible to do it without it ever coming back to bite you in the nuts?

If you didn't have an accident then it wouldn't be a problem but if you had a major accident then there could be an issue over it.

As only when major things happen do insurance companies check everything.

Also as stated named drivers don't really make a difference to your policy if you are over-25 unless they are related to you.

Quentin

olly300 wrote: »

If you didn't have an accident then it wouldn't be a problem but if you had a major accident then there could be an issue over it.

As only when major things happen do insurance companies check everything.

Not necessarily.

Plenty of evidence of new policyholders getting a demand for copies of all licences shortly after a policy starts!

lisyloo

I think post #14 is onto something.
Married or "coupled" people are considered less risk (don't ask me but I guess it's based on stats), so this changes your personal risk not just the overall risk.
So putting down a neighbour may well not have the same effect as a partner/spouse.

It looks like it's not worth risking this, although putting someone real down who is never likely to drive the car seem to be an OK loophole (as long as they are willing to supply a copy of their licence on request and provide correct claim/conviction details).

System

Wouldn't it actually be fraud, regardless of the insurance question?
You are giving false information in order to obtain a pecuniary advantage. That's like forging qualifications or lying about your job experience.

starrystarry

silvercar wrote: »

To avoid accusations of fraud, you would need to give full details of the other person, including any claims they have had in the last five years and any driving offences they have.

They would also need to declare on their insurance quotes that they are insured to drive another vehicle.

This bothers me. What's to stop some random person sticking me on their policy without my knowledge? Surely the insurers should have to check that the named driver agrees to be named on the policy.

scheming_gypsy

Thanks for all the sensible answers

Like i said in the first post it was more of a could you than 'i want to'; as i've never been asked to prove the details of any named drivers and if they're never going to drive it, technically they'd never have to prove they even have a license. I've got plenty of people i could put down as a named driver but when it rejected family it was easier to just change the age and relationship status of my mum than to type somebody elses name.... and it got me thinking.


and yep Tahrey, Quinten is correct... It's just to get cheap insurance on a car i'll never claim on. A £500 car will get written off regardless, so i'd have to pay £150+ in excess to get £350 back for a car and have a claim to my name whereas I could scrap it or sell as spares / repair and get about the same.

silvercar

starrystarry wrote: »

This bothers me. What's to stop some random person sticking me on their policy without my knowledge? Surely the insurers should have to check that the named driver agrees to be named on the policy.

Its a risk. The insurer would ask if the named drivers have consented, but they won't contact the named drivers to confirm.

It has actually happened to us. An elderly relative put one of us (can't remember if it was me or OH) on their insurance just in case they had a need for us to drive their car if they ever weren't feeling up to driving home after visiting us. They never told us until after the event.