Reversed into parked car :(

con1888

atrixblue.-MFR-. wrote: »

i just reread the post and your on dads insurance, does dad have another car in his name?

the angle the insurers can take here is possibility of fronting.

do you use the car more than dad does?

He has two cars one is solely his and used for work, the other is also owned by him and I am a named driver, It probably gets used 50/50 , if he is making a long journey or leisure journey he uses 'mine' ( it's a bigger and newer car) I get a lift to work so don't use it for commuting, I don't really drive a lot to be honest as most things I do and people I visit are nearby.

Why would the insurers take that angle anyways, I know plenty people who have had no problem as named drivers and have made claims, even those who do use the car ALL the time and the main person not at all ?

I am changing it next year as expecting a baby so will be using it more so and also my OH is taking lessons so it will become our car rather than my dads then but for the moment it's my dads car.

con1888

rs65 wrote: »

So, your dad is insuring your car in his name? You need to be very careful when dealing with insurers.

Take the first opportunity to get your insurance arranged correctly, even if it is more expensive.

It's actually his car, all the documents are in his name, he made the purchase etc, I did choose the car though but it will be him who will do all the paperwork or whatever is involved.

It will be about £40pcm more expensive to go on my own but I will be at renewal time as I'm moving away and will be using it more than him for sure then as will need it to commute.

atrixblue.-MFR-.

cross posted.

insurers do now check inconsitancies to not pay out or honour damage to your own car.

if found to be fronting, you are open to a conviction of fraud aswell as dad, you will be liable to pay the insurer back the amount paid out to the third party, you will have to declair a null and void policy to future insurers aswell as the accident claim, you will be liable for the remaining uptodate policy i.e if found to be fronting they will amend the policy to the way it should have been from the start of the policy and claim back the amount owed.

all im saying is, not that are fronting, is that all insurers now CHECK in the event of a claim by a named driver that all is well and nothing is undeclaired.

you chose it? but dad does the paperwork? are you paying the HP PCP? is that in your name

con1888

I don't pay anything, other than the extra to add my name to insurance and petrol as and when needed.

dacouch

atrixblue.-MFR-. wrote: »

cross posted.

insurers do now check inconsitancies to not pay out or honour damage to your own car.

if found to be fronting, you are open to a conviction of fraud aswell as dad, you will be liable to pay the insurer back the amount paid out to the third party, you will have to declair a null and void policy to future insurers aswell as the accident claim, you will be liable for the remaining uptodate policy i.e if found to be fronting they will amend the policy to the way it should have been from the start of the policy and claim back the amount owed.

all im saying is, not that are fronting, is that all insurers now CHECK in the event of a claim by a named driver that all is well and nothing is undeclaired.

you chose it? but dad does the paperwork? are you paying the HP PCP? is that in your name

If they had been fronting it would only be the policy holder who had committed a fraud and only the policyholder who would have to declare a void policy

con1888

It doesn't really matter in this case as no fraud is being committed, the car is owned, paid for and used by my dad I use it when I need it. Of course they will check everything but nothing out of the ordinary will show and i'm sure it isn't the first time a named driver has had a bump ( well I know it isn't the first time as know people it has happened to). So that is not what I am worried about, just worried about having to tell him tomorrow, have avoided him tonight. Also confused about how it all happens, suppose he will know more than I do so will just need to wait and see.

atrixblue.-MFR-.

dacouch wrote: »

If they had been fronting it would only be the policy holder who had committed a fraud and only the policyholder who would have to declare a void policy

mmm OK its an easier way to for the insurers.

con1888

and now I will want to drive it even less than I already do.

Wish I never did sit that test lol.

atrixblue.-MFR-.

con1888 wrote: »

and now I will want to drive it even less than I already do.

Wish I never did sit that test lol.

dont worry about it.

you have to be carefull on your mileage and be completely transparant with insurers so if something does happen your covered in every aspect and gives them no reason to question it.

if your father is intending on giving you the car to move with, just make sure that you either become the registered keeper.

insurers get twitchy when they see you want to be the sole policyholder but not the owner nor registered keeper of a car so you have to inform them of everything.

OddballJamie

Might be worth re-evaluating the £800 offer once you speak with your Dad, as you would not only have an accident on your record to tell future car insurance companies about, your Dad will also have a claim he will need to notify them of for 3-5 years.

Also look into the excess on the policy as younger/newer named drivers usually have a higher one than the older main policy holder.