Can I be main driver on two cars?

[Deleted User]

R_4M wrote: »

He will only use it to attend work which will be 3 times a week.

Don't forget to declare him as commuting.

mikey72

R_4M wrote: »

Basically, I was going to be the main driver of the New car which I was going to purchase and include my son on the policy aswell, I will be the main driver as Ill be doing more miles than him, He will only use it to attend work which will be 3 times a week.

I dont know if this is still fronting ?

(Also I read around that since my NCB are being used on the First Policy I dont mind saying that ive got Zero NCB when it comes to the second policy.)

Is this legal?

That is a classic case of fronting I'm afraid.

R_4M

mikey72 wrote: »

That is a classic case of fronting I'm afraid.

Why do you say that ? Ive will explain to the insurance company, I will tell them that my son will use the car to attend work 3 days a week, which is 10min drive from home, and maybe go out once or twice with friends.

But Ill be the main driver and policy holder.

[Deleted User]

How old is your son?

How long has he held a full licence?

How good/bad is his driving history?

R_4M

Bedsit_Bob wrote: »

How old is your son?

How long has he held a full licence?

How good/bad is his driving history?

Age:23
Held full UK Licence for: 4 Years
History Good - 1 years NCB No Claims and No Points

LincolnshireYokel

R_4M wrote: »

Age:23
Held full UK Licence for: 4 Years
History Good - 1 years NCB No Claims and No Points

Right, so thats all the NCB you can muster.

Look at the extreme case: If you could use your NCB on as many policies as you wanted, you could set up a nice little business renting your NCB out to new drivers, and being the main driver on thousands of policies for a fee. It would be like being an unlicencsed intermediate insurance company, except you would have no capital to pay out on claims.

See the problem now ?

[Deleted User]

R_4M wrote: »

Age:23
Held full UK Licence for: 4 Years
History Good - 1 years NCB No Claims and No Points

So, if he has a car of his own, why use yours to travel to work?

atrixblue.-MFR-.

so, whats wrong with insuring your son on the existing vehicle?.

what second car are you going for or have already bought?

somethings not ringing true OP.

your son already has a NCB on a vehicle wich means he owned one, now you wish to insure a second car for as you say mainly to get him back and forth work and go out with friends "but youll use it mostly" as you say but you have a vehicle? so why cant you use that mostly, what has changed in your curcumstances to warrant having two cars and use both as equally to be main driver as both vehicle sound like their daily drivers and not some weekend dry day fun.

my suspicion is that your son has bought another car, realised after buying it he cant afford the insurance and now parents have come to the rescue putting it in their name and insuring it in their name as policy holder main driver.

forgotmyname

I think the above posts just saved you and your son from getting 6 points and the car towed for being uninsured. When the insurers ask the same questions as above.

Adding a new car and a new driver will just sound fishy. If they find out what your doing i would expect them to cancel your policy.

And that goes on a database which you and your son may have to declare forever. That wont help future premiums.

[Deleted User]

Surely the best approach would be to put the second car in your son's name, take out insurance with him as the policyholder, and let him earn some more NCD?

Aside from building his NCD, it'll also preserve the year he has already earned.