Young driver insurance

Blackpool_Saver

Good job you are not my son, you would be out the door laddie, you cannot circumvent the law, I dearly hope you haven't ruined your parents insurance, and where were they? they should have made sure you weren't doing wrong in their name, no wonder people are scared of uninsured drivers these days....... this is the stuff they should be teaching in school........

Alison_B

You will find that once you have passed your test that you are expected to pay a further payment to change to a full licence. This could be the same amount again. Ask the company how much it will be once you have passed your test.

System

dacouch wrote: »

The beauty of fronting is it's the policyholder who get's in trouble, so it would be the hapless parent whose history would be damaged by a voided / cancelled policy forever more.

But as I understand it the OP is the policyholder but put his mum as main driver

dacouch

!!!!!! wrote: »

But as I understand it the OP is the policyholder but put his mum as main driver

Not if he was trying to use his mum's no claims bonus, he would have obtained a quote/policy in her name or possibly his father's name.

Caz3121

My step-son did this, had provisional insurance and then when passed he took a policy in his mothers name, went online and filled in her details with him as an additional driver. We did tell him this was fronting but he knew best and all his friends did this for their insurance.
Of course the insurance company requested proof of the NCD, which his mother used on her own car so they cancelled the policy and he ended up with an increase from £1,600 in her name to £3,600 for his policy.
Not sure what happens when his mother is next asked if she has ever had a policy cancelled (don't even know if she was aware he did this!)

forgotmyname

Any information you fail to tell them will mean your insurance is likely to get cancelled again. Its likely to be on the database that you already have a policy cancelled. Your not insured to drive on your own after you pass your test.

So thats 6 points and a fine and they will impound the car.
Then you will have to take your test again, Because you will lose it after getting 6 points in the 1st 2 years.

2 cancelled policies wont help your premium.

As mentioned above now i wonder if your moms insuured properly as she failed to declare having a policy cancelled, The one you took out in her name.

Or whether she needs to declare that as fraudulent transaction which may impact on you further.

Your parents could switch to a multicar policy but it may cost them more than you can save. Swings and roundabouts etc.

I can insure 3 cars with my broker for same price of 2 cars on a multicar policy. They are not cheaper for everyone.