I need help with car insurance

pearlchavez

Hi there,

I am a 25 year old woman who has literally just passed her driving test. I really need help with the insurance. My Father has been driving for 20 years and I'm wondering if he should be the main driver? Or if I should? Should I go for comprehensive cover? Any help would be appreciated. Thank you

Silvertabby

Listing your dad as 'main driver' when the car is yours (and you will be doing all/most of the driving) is called 'fronting' - and it's illegal.

Have you bought a car yet? I know it's not sexy, but start off with a sturdy car with a moderate engine. You can always upgrade when you've got a few no claims years under your belt.

Always go for comprehensive - I don't think there's much difference in the premiums in any case.

FutureGirl

If it's your car, and you drive it most, you need to be the main driver on the policy. If you put your father as the main driver, this is fronting and is illegal. For the sake of saving a few quid for one year, you could end up pushing your premiums up for a longer period.

Look at safe smaller cars. And, as previously advised, go for fully comp, there really isn't much between fully comp and third party fire theft these days.

Gaz1zaUK

Some good advice, though don't be scared, 'illegal' suggests criminal, which it isn't, though under the Consumer Insurance Act making a false or incorrect, statement or misrepresentation to the insurer could have dire consequences.
Get off the aggregators, find a insurance broker recommended by friends and give them a call. Your story and personal circumstances will all help to assess the risk and apply an appropriate premium.
It will not be cheap though, so as said above, choose a car which fits your needs and small cit cars are naturally good for this; premiums for new or young, drivers are driven by the higher accident rates and passenger personal injury costs. Remember the insurers liability for personal injury to passengers is unlimited!!!, so £1,000 or £10,000,000+
Good luck...

dacouch

Gaz1zaUK wrote: »

Some good advice, though don't be scared, 'illegal' suggests criminal, which it isn't, though under the Consumer Insurance Act making a false or incorrect, statement or misrepresentation to the insurer could have dire consequences.

Intentionally miss leading an Insurer is potentially fraud which is most certainly illegal.

Gaz1zaUK

Application Fraud, in this instance, is very different from Claims. You're correct asvise against making false statements in the application for insurance of any kind, though you you won't find any prosecutions for it.
Claims Fraud however is another case all together and whilst you will find a number of prosecutions for "crash for cash" for example, these are a fraction of what goes on.

19lottie82

You can certainly try adding your father as an additional driver, which may well bring your quotes down.

dacouch

Gaz1zaUK wrote: »

Application Fraud, in this instance, is very different from Claims. You're correct asvise against making false statements in the application for insurance of any kind, though you you won't find any prosecutions for it.
Claims Fraud however is another case all together and whilst you will find a number of prosecutions for "crash for cash" for example, these are a fraction of what goes on.

I personally know of a couple of people convicted for fraud when applying for Insurance.

The police (Legally or not) will also impound cars and issue IN10 penalties where they perform a stop and speak to the Insurer and discover non disclosures.

https://www.abi.org.uk/News/News-releases/2014/09/Motor-insurance-application-fraud-backfiring-on-motorists

Intentionally miss leading an Insurer when you apply for Insurance is fraud, there are no ifs or buts about it. Whether you will be convicted of it is academic. To say it's not criminal is not correct