Fronting car insurance

System

Sheffmum wrote: »

My partner wants to put his insurance in my name with him as named driver and use my no claims bonus. I will be buying a car in the next week or so and will want to insure my own car using my no claims bonus. Will my new car insurance be affected by him doing this?

If he is the main driver then what you are doing is illegal on his car. It is classed as fraud and people have been arrested and convicted for fraud for doing this. In the event of a claim then if it came to light not only would the insurer not pay you out but they would sue you for the money they had to pay out to the other party.

Car_54

Tarambor wrote: »

If he is the main driver then what you are doing is illegal on his car. It is classed as fraud and people have been arrested and convicted for fraud for doing this. In the event of a claim then if it came to light not only would the insurer not pay you out but they would sue you for the money they had to pay out to the other party.

Not necessarily: see post #7.

Warwick_Hunt

debtdebt wrote: »

Neither was she asking about a lease vehicle.

But the point is despite what you said, you can insure a vehicle you don’t own.

debtdebt

But not using mirrored NCD as you suggested.

Warwick_Hunt

debtdebt wrote: »

But not using mirrored NCD as you suggested.

Plenty examples of it happening on this board.

debtdebt

Please evidence this.

[Deleted User]

debtdebt wrote: »

Please evidence this.

Evidence is not required when a "police officer" has made a statement

trailingspouse

Sheffmum wrote: »

My partner wants to put his insurance in my name with him as named driver and use my no claims bonus. I will be buying a car in the next week or so and will want to insure my own car using my no claims bonus. Will my new car insurance be affected by him doing this?

If I'm reading this right, your partner owns a car and wants the insurance on his car to be in your name (in other words, he wants you to insure his car) and put him as a named driver. In this way he can take advantage of your NCD, thus saving money.

But he isn't saving money in the long term, because he isn't building up his own NCD. How has he insured his car previously? Is there some reason why he can't get insurance in his own name?

I think the answer has to be a resounding no, as you will be needing to insure your own car shortly, and need to make sure your NCD is used on your car. Let him sort out his own NCD.

daveyjp

How long have you known this person? Why are they wanting to do this?

Warwick_Hunt

debtdebt wrote: »

Please evidence this.

You’ve done it yourself.

debtdebt wrote: »

Not sure about Hastings but Swiftcover do and have done for me in the past when I've bought second cars.