main driver??

ad77

i have 2 cars both cars are in may name, and i am the main driver on both insurances, however my partner drives one and i use the other. is this legal???

Quentin

If your partner is the main driver of one of the cars, then the insurer for that car needs to be told (that will make it "legal")

Pink.

Probably not. Is there a reason why your partner doesn't have insurance in their name on the car that they drive?

You haven't given enough detals for us to answer your question properly but if you google 'fronting' you'll find it might not be the best idea.

Quentin

Pink-winged wrote: »

Probably not. Is there a reason why your partner doesn't have insurance in their name on the car that they drive? ......

There is no reason why the "main driver" has to also be the "policyholder"!

Pink.

Quentin wrote: »

There is no reason why the "main driver" has to also be the "policyholder"!

Where did I say that the main driver had to be the ''policyholder''?

Op has stated that they are listed as the main driver on both cars, when in fact they are not...their partner is the main driver on one of the vehicles and really should declare this.

thenudeone

ad77 wrote: »

i have 2 cars both cars are in may name, and i am the main driver on both insurances, however my partner drives one and i use the other. is this legal???

If your partner drives significantly more miles than you in one of the cars, and has done so since the policy started, then no - it's not legal.
You've made a false statement to obtain motor insurance, which is an offence under s174 (5) RTA 1988 http://www.legislation.gov.uk/ukpga/1988/52/section/174

The policy could be voided if you try to make a claim; then the driver may have to pay any third party costs themselves.

Look at the case studies here to see how the FOS treats this sort of non-disclosure: http://www.financial-ombudsman.org.uk/publications/ombudsman-news/7/july-innocent-non-disclosure.htm (hint: the complaints are nearly always rejected)