Car Insurance

Stoffy

Hi,

Sorry for threadjacking, just after a bit of Car insurance advice.

I'm a new driver about to buy a car and have been quoted £1400 approx for my 1st years insurance (fully comp). This is adding my partner onto the insurance as a 2nd driver who has been driving for 6 years with 5 years no claims.

I have checked how much the insurance is if she were to buy the car and fully register it in her name and adds me as a 2nd driver - £800 approx.

I just wondered if this is legal as I will be driving the car mostly however, she will also drive it a lot of the time.

I'm new to all this so not sure if it is ok to do this or not. Any advice would be appreciated. Seems like if its ok to do we can save £600.

Cheers

phill99

It's called 'fronting' and the insurance industry are quite hot on it. If it transpires that you are the main driver, they can cancel the policy or refuse to pay out in the event of acclaim. Also you won't be creating your own NCD.

quotememiserable

If you haven't bought the car yet, how about choosing your car based on which is cheapest to insure? Its easy to use comparethemarket for this because you can re-quote for a different car keeping all other details the same. For my daughters first out insurance, the Puegeot 106 1.5 diesel turned out to be the cheapest.

Quentin

Stoffy wrote: »

......I have checked how much the insurance is if she were to buy the car and fully register it in her name and adds me as a 2nd driver - £800 approx.

I just wondered if this is legal as I will be driving the car mostly however, she will also drive it a lot of the time. ....

Quite legal.

She will need to correctly state to the insurer which of the two of you will be the "main driver".

RedSlayer

Stoffy,

Ditto Quentin - forget 'legality'.

The main aim here is to get your no claims up right?

So; insure the car in your name, and (if you think that it's possible) place your partner on that policy as 50-50.

Try to maintain that 50-50 driving ratio. If it ain't going to happen over the year, then inform your insurance company of that change - as you realise it.

Also, is fully comp really essential? Is the car worth more than say £4k?
If not, then is the excess (that you will incur) worth the fully comp?

You can't do any more than that - can you?

Red