Can a person be the main driver on two insurance policies?

1940sGal

Thought I'd ask here as I have no idea about the legalities of this. My sister has dad as the main driver of her car, with me and her as named drivers. She did this as it was a damn site cheaper for her with her only just passing.

Anyway, now i've got a job I'm looking to be getting a car hopefully soon but after getting quotes the minimum i'm looking at is £700+ a year. Sister's is only £450 because of having dad as the main driver.

So i'm wondering if it's legal to have dad as the main driver on two policies? I always thought it wasn't but i've read people saying it is. Confused.

InsideInsurance

What you are talking about is Fronting and will result in the policy being voided, you being liable for any claims and all future insurance potentially being many times the prices you are seeing now!

To answer the underlying question, yes you can be the main driver on as many policies as you are actually the main driver for. So if you were a single playboy millionaire with a dozen cars you'd be the main driver on all of them.

Evidently in your case you are trying to defraud the insurer by falsely declaring your father as the main driver - that is the issue not the fact hes the main driver on multiple policies

Just_Some_Guy

Fronting is a form of fraud and if the police find out you're doing it then you're going to have a bad time. The insurer could well reject any claim or even worse come after you for the third party's costs which could be ruinous. Don't do it.

kizkiz

As above, it's fronting and illegal
I don't know how old you are, but 700 for a new driver really isn't that bad
It is regularly 1000's for a lot of people

1940sGal

kizkiz wrote: »

As above, it's fronting and illegal
I don't know how old you are, but 700 for a new driver really isn't that bad
It is regularly 1000's for a lot of people

I've been driving over 7 years, i'm 29 and by the time i get a car it will be 8 years.

I did have at least 1 years NCB before i got rid of my last car, can i use that even though i don't have the documents to prove it?

Quentin

Most insurers ask for proof of NCD.

Contact your previous insurer and ask them for a copy of the proof (assuming it's within the last 2/3 years).

System

Sounds like your sister is fronting and you want to do the same.

JimmyTheWig

As has been said...

Can you be the main driver on more than one policy? Yes.
Can you be the main driver on a car that you are not the main driver of? No.

1940sGal

JimmyTheWig wrote: »

As has been said...

Can you be the main driver on more than one policy? Yes.
Can you be the main driver on a car that you are not the main driver of? No.

My sister pays the insurance and it is her car but I have said nothing to suggest dad is not the main driver. They both use the car as much as each other before anyone starts throwing any accusations around.

1940sGal

Quentin wrote: »

Most insurers ask for proof of NCD.

Contact your previous insurer and ask them for a copy of the proof (assuming it's within the last 2/3 years).

Unfortunately not, it was before I went to uni so over 3 years ago

Quentin

Then you have no ncd to use now.