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

SAHD_Jim

1940sGal wrote: »

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.

To be fair this was the comment you made:

1940sGal wrote: »

She did this as it was a damn site cheaper for her with her only just passing

When you add this to the fact that you were enquiring about also making him the main driver on your car, that is what raised people's suspicions.

So the question you need to consider is - will he also be the main driver on your new car and continue to be the main driver on her car? In other words he would need to drive at present more than you both drive put together, which judging by the comment that he drives the same amount as her, suggests that would not be the case so he could not be the main driver on your car as well.

HTH

rudekid48

If you or your sister use the cars to drive to work every day then most INsurers will class you as the main driver.

ScotlandM

Perhaps have all three of you on each policy?

i don't know what mileage you drive so I'm making these numbers up, don't blame the numbers just follow the theory.

Currently, Dad drives 15k, Sister 15 and you 5k all on sister's car
When you get a car you'll drive 15k too

Sister's car instead of
Dad drives 7.5K 14
Sis drives 7.5k 14
You drive 7.5k 1

Your new car instead of
Dad drives 7.5k 1
You drive 7.5k 14
Sis drives 7.5k 1

I can't see the insuer getting a detailed account of how much each person drives but they could be able to get a ball park figure. And in reality an insurer will only ever ask/care when a claim is made.
I worked as an IT technician and drove 50k a year,sadly i had to have a van with my spare parts in. I had to always carry every tool for every part in the van. That way i was carrying my stock rather than couriering parts. A courier's insurance being a lot more than mine, but legally i wasn't a courier as i worked on the parts. Just anyone that ever looked into the van saw 50 brown boxes.. courier they would say.

Anyhow, i bore myself writing. Keep it legal but it can be done as long as daddy is the main driver. And as OP said, 700 isn't too expensive though depends on the car

System

One of the questions that may be asked in case of a claim is why the Father is the main driver on TWO cars that he is neither the owner of nor the registered keeper.

I realise that this can happen with business but not in a family set-up

Hasbeen

Use comparison sites to get est cost and also put your father and possibly mother if she drives as NAMED drivers giving all correct details. Est 1. Take mother off leave father, Est 2. Take father off leave mother, Est 3. Pick best and look at cashback sites for any deals

dalesrider

1940sGal wrote: »

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.

Its not about who uses the car the most.

Its about who's name the policy is in and who is then a named driver.

So if your sisters car has dad named as policyholder and her as a named driver then. That could/would be classed as fronting.
One thing that many ins do in this case is exclude commuting for named drivers....

So if you then do exactly the same. It is possible that something will flag up on their systems.
Dad a policy holder on 3 cars yet only owns one. And the other 2 owned by a named driver....
How do you think that will look to a ins co....

They will just be waiting for a claim to rub their hands and say not a chance of a payout.
Never mind the massive increase in ALL your premiums in the future.

SAHD_Jim

dalesrider wrote: »

Its not about who uses the car the most.

Its about who's name the policy is in and who is then a named driver.

So if your sisters car has dad named as policyholder and her as a named driver then. That could/would be classed as fronting.
One thing that many ins do in this case is exclude commuting for named drivers....

So if you then do exactly the same. It is possible that something will flag up on their systems.
Dad a policy holder on 3 cars yet only owns one. And the other 2 owned by a named driver....
How do you think that will look to a ins co....

They will just be waiting for a claim to rub their hands and say not a chance of a payout.
Never mind the massive increase in ALL your premiums in the future.

Sorry, some of this is untrue, it is absolutely about who uses the car the most - insurance is about risk.

Although it is fair to say that some insurers will insist on the policyholder being the registered keeper, anyone could in theory be the main driver.

This is wording from AA Insurance as an example:

The main driver is the person who is in charge of the vehicle most often, which means they are the person who makes the most journeys as the car's driver.

In fact, look at it the other way around. A parent buys and registers a car in their name, insures it in their name and declares themselves as the main driver. They then add a child as a named driver who then drives the car the most. That is fronting, even though it is the parent's car and insurance policy.

I sold car insurance for a number of years and had many of these types of issues crop up.

I agree that with the situation you describe, it does sound dodgy and something will probably flag on their systems, but assuming everything is above board it really should not be a problem. I would advise anyone genuinely in that situation to make sure they explained everything to the insurer to make it clear that they are not trying it on. That way if there was any comeback or future query, they can say "this was all clearly explained up front....etc"

tonyh66

1940sGal wrote: »

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.

Dad is already fronting on sisters insurance, you need to tell your family that what they are doing is illegal, don't even consider doing it on your car.

MattLFC

Don't front, as said above, it's not legal, and it's not worth the hassle if you're found out.

However.... it is not illegal to add someone as a named driver to your policy, to gain an financial discount!! I added the better half, who is driving on an Italian licence, and given my speeding points and the fact she's a 27 years old woman with a clean licence held for 9 years, adding her dropped my premium by 50%!!!!

She is never likely to use the car, as she has her own, but that doesn't mean she will never use it, and even if she doesn't, it still isn't illegal.

So try adding your other half, or even your mum or dad to your insurance, and see if it drops the premium. Adding an experienced female with a clean licence to any young'ish male policy (especially those with no NCB), tends to significantly reduce the cost (until December 21st that is!!) as the female is always seen as a lesser risk.

With regards the original question, anyone can be the main driver on as many policies/cars as they want, however, they can use one NCB on one policy at a time. So if they want to use an NCB on 3 different cars at one time, they must have earnt 3 seperate NCB's.

prowla

Setting aside the rights and wrongs, is not correctly declaring the main driver actually illegal?