is being a second driver bad thing?

SCUD

Hello guys.

I'm looking for a car insurance now...



In my current policy I’m the owner of the car and the policy is in my name and I had my father added to the policy as additional driver.

Now the prices have gone up but when I put the policy under my father's name, the price goes down dramatically!

I held car insurance for 2 years without claiming anything. so I guess this is called No Claim Bonus.

My father entered with me in the last year policy as additional driver. Does that mean he earned now a 1 year no claim bonus?

And if I get the policy under my father's name. Will this affect my chances in getting cheaper quote in the future?

mildred1978

SCUD wrote: »

Hello guys.

I'm looking for a car insurance now...



In my current policy I’m the owner of the car and the policy is in my name and I had my father added to the policy as additional driver.

Now the prices have gone up but when I put the policy under my father's name, the price goes down dramatically!

I held car insurance for 2 years without claiming anything. so I guess this is called No Claim Bonus.

My father entered with me in the last year policy as additional driver. Does that mean he earned now a 1 year no claim bonus?

And if I get the policy under my father's name. Will this affect my chances in getting cheaper quote in the future?

It will decrease your chances of getting any claims you make paid.

Who would you declare as the main driver?

SCUD

mildred1978 wrote: »

It will decrease your chances of getting any claims you make paid.

so what is the point then from having additional driver if there is a possibility their claims won't be paid?

mildred1978 wrote: »

Who would you declare as the main driver?

some insurers don't ask this question but in my previous policies I have declared myself as the main driver.

The usage of the car is almost %50-%50 with my father.
I use it sometimes to go to work and drive my parents to shopping or vacations and go out at weekend nights with my friends.

My father would use it for shopping too and sometimes in commuting and driving it when i get tired when we go in holdiays...etc.

but the car is registered under my name.

Caz3121

The car being in your name will cry Fronting to the insurance company, you will need to nominate the main driver and additional drivers and if you decide your dad is the main driver and you are not, but it is your car it will look very suspicious that you are doing this to get a cheaper quote.
Does your dad have access to another vehicle that he drives?

TSx

They could only void the policy if they can prove that you are fronting (this is what it is called when you obtain cheaper insurance by putting the main driver as your father instead of you, when realistically, your father is not the main driver). Does your father have access to another vehicle?

thenudeone

If your father hasn't declared that you are the main driver, you and him are "Fronting" which is illegal. The policy could be voided, any payouts the insurers have to make to third parties could be reclaimed from you, a fraud marker could be placed against your names on insurance databases, and he could be prosecuted for providing false information to obtain a certificate of insurance.

NCD only applies to the policyholder not named drivers; although a few companies will offer NCD to a named driver, although this is only valid with that insurer. Most insurers will only accept NCD earned on a policy in your own name.

SCUD

My father has no access to any other car.
That is why I feel we are sharing the car %50-%50

I guess having the car registered under my name would make it look suspicious if I put my father as the first driver even when he has no access to any other car.

forgotmyname

Only takes a few phone calls to see who is really the main driver.

Do you work? Use the car for work daily? Or does your father use teh car for work daily?

The problem is you will only find out they wont pay when its too late. Then your going to be moaning they cancelled your policy and then you cant get insurance.

Committing fraud will make you almost uninsurable in the future.

Search these threads for the guy that failed to disclose information to his insurer and has now got a bill for over £9000, With no car and now the debt collectors calling.