Lending car to son - insurance problem

trailingspouse

j-josie wrote: »

I wish! A 2007 Nissan Note.

Wow - my Jaguar XF only requires drivers to be over 25!! It's the sort of thing you don't really think about when you take out insurance - we had a policy once that (unknown to us) limited the number of occasions that you could put an additional driver on the policy. We used to put the kids on when they came home from uni and so on - then suddenly we were told we couldn't do it any more. Very inconvenient!!

£200 for 3 days sounds quite expensive - but the longer he hires for, the lower the daily rate will be.



I think you're very kind to try to let him have your car - I'm sorry it's not quite as simple as it should be!!

Jumblebumble

j-josie wrote: »

I want to lend my car to my son (26) who is between cars at the moment.
He is a nurse and needs to drive back from Suffolk to Bristol on Christmas Day for recommencement of work shifts and there will be no public transport.
My current insurance company have refused to add him to my policy as he is under 30 (!?!)
Temporary insurance policies are through the roof!
Is there anything to stop him taking out a separate, stand alone policy on the car in his own name, clearly stating that I am the registered owner, not him; choosing the pay monthly option and then cancelling the policy once he has got his own new car ( approx a few weeks later)?
Comparison website suggests that would cost less that £110 ( 1 monthly fee plus cancellation charge) for several weeks use compared to approx £200 for hire car costs from 24-26 Dec...

It seems to be the most cost effective option. I searched the internet for ‘can you have 2 separate policies on 1 car?’ and it seems ok, but my husband is worried that it’s not.

We’re not trying to pull any tricks; I just want my son to be able to drive my car with reasonably costed insurance...

I’d value any opinions!

Just to be pedantic I believe there is no such thing as a registered owner so you may want to be careful when giving the status of the ownership to the insurers
JumbelBumble

silvercar

These people do car insurance by the hour!

https://www.cuvva.com

I've never had a need to use them, but their ratings seem good.

kidmugsy

We've found NFU pretty good when we've added a child to our policy.

You could always threaten your current insurer with leaving them.