Adding named drivers

mumx3

My 17yr old daughter has just passed her test we are about to get her insurance, which is an arm and a leg!, but by adding her aunt and uncle to the policy it brings it down by £200, my question is will it make any difference to their insurance when they renew by being a named driver on my daughters ?, I don't want it to make their insurance any more?

mad_rich

No. This is fine.

The more middle-aged, accident-free and boring they are, the better. It won't affect their own insurance.

Do check with and without though. It's not *always* cheaper.

InsideInsurance

This is fine as long as you are 100% sure you accurately declare all of their claims history on your daughters policy and likewise update your daughters policy if they make a claim in the future on their own policies.

forgotmyname

Dont forget if the Aunt and Uncle get any points or have any bumps or accidents or claims then your daughter needs to inform her insurance right away also.

shaun_from_Africa

Could it cause any problems if the Aunt & Uncle are not living in the same area as the OP's daughter and never actually drive the vehicle concerned?

I know that it's not fronting, but I wondered if the insurance company would get a bit funny if they thought that the named drivers were only added to lower the premium but there was no possibility of them actually using the car.

OddballJamie

shaun_from_Africa wrote: »

Could it cause any problems if the Aunt & Uncle are not living in the same area as the OP's daughter and never actually drive the vehicle concerned?

I know that it's not fronting, but I wondered if the insurance company would get a bit funny if they thought that the named drivers were only added to lower the premium but there was no possibility of them actually using the car.

Maybe they use the car for an airport drop?

westwood68

Whether they drive it or not is irrelevant. The computer works out that statistically the car is less likely to be in an accident so the price drops.

The insurance company won't get funny as long as all the facts are correct. If the policy states that a named driver must use the car at some point then maybe it will be an issue; but it won't say that so it isn't (an issue that is...).

InsideInsurance

westwood68 wrote: »

Whether they drive it or not is irrelevant. The computer works out that statistically the car is less likely to be in an accident so the price drops.

The insurance company won't get funny as long as all the facts are correct. If the policy states that a named driver must use the car at some point then maybe it will be an issue; but it won't say that so it isn't (an issue that is...).

The computer doesnt work out anything other than the price, the rating factor are pre programmed into the rating engine.

Whether they drive it or not is only partially irrelevant. There is no requirement for a named driver to actually drive the vehicle, they are named to give them the facility to drive it if required. This may change in the future or alternatively because so many youngsters start doing this and the mature drivers never actually drive any of them the statistical analysis of claims experience will diminish the current pricing benefit over time.

Idiophreak

mad_rich wrote: »

No. This is fine.

Are you sure? I've been asked whether I'm a named driver on another policy in the past. They don't normally ask stuff that won't nudge the price one way or another.

Aretnap

The aunt and uncle will have to tick the box which says they're named drivers on another car when they next take out insurance, if they don't already, and give details if necessary. I have no idea what effect that would have on their premiums, but I don't imagine it will be much.

There's certainly no requirement for the named drivers actually to drive the car. I have a friend who I go hillwalking with on my insurance so that when I drive up to the Lake District there's the option of him taking over driving if I get tired. I don't think he's ever actually had to do it, but it's nice to know that the option's there.

Prothet_of_Doom

My wife's sister was a named driver on both our cars for 10 years at no cost and no money saving (due to age I guess a similar risk), but she never drove the car, it was more a just in case she needs to. In the end I couldn't be bothered with the extra boxes on the quote forms, so took her off.