am i ok to be a main driver on my mums car?

calumthomas92

Hi guys, new too this
The thing is, my mums got two cars and one she doesn't use, she's said I can if i can afford the insurance, its currently uninsured but she will take out a policy in her name but have me as the main driver, her as a secondary.

Is this legal? Also, worth noting, I'm 19 and have just passed my test...:( confused at the minute.

Quentin

Yes .

vaio

yep. but you might find that you getting the policy in your name with you as main driver and Mum as a named driver won't be that much more expensive (if any) and that way you get to build NCB in your own name too

InsideInsurance

Vaio is correct but you may find the number of insurers that are willing to provide cover when its the policyholders mother that is the vehicle owner will be smaller. Most insurers are more comfortable with policholder owners or spouse of policyholder than parents or kids

lisyloo

Also, worth noting, I'm 19 and have just passed my test.

It's likely to be really expensive.
Sorry, but you age, (probable) gender and experience status means it's likely to be several thousand.
You can shop around of course, but it simply is very expensive for young people.