Car Insurance Query

JackTait

Hi all
Hope someone can help with a quick question. 

My car insurance is due in 3 weeks so looking to sort a renewal today. Adding my dad to my policy as a named driver brings the cost down. My question is, does this affect him in any way? Realistically he will probably never drive the car. Is that a problem? If I crashed would it affect him at all? 

Thanks

olgadapolga

I'm named on my husband's car insurance. He's had three accidents in the last five years. None of his accidents (two of which were his fault) have affected me, other than I have had to remove him from my car insurance as it pushed the premium up to stupid levels. He didn't drive my car anyway.

chrisw

Duplicate post in Insrance forum:;
https://forums.moneysavingexpert.com/categories/insurance-life-assurance

No, it would not affect him at all. The insurance company would never know that he never drives the car. The only crossover would be if he had an accident or conviction in his own car, you would have to declare it for him as named driver. Of course, if he did you could always remove him and add a different older relative as named driver.

Car_54

chrisw said:

Duplicate post in Insrance forum:;
https://forums.moneysavingexpert.com/categories/insurance-life-assurance

No, it would not affect him at all. The insurance company would never know that he never drives the car. The only crossover would be if he had an accident or conviction in his own car, you would have to declare it for him as named driver. Of course, if he did you could always remove him and add a different older relative as named driver.

Or indeed in any other vehicle.

sweetsand

JackTait said:

Hi all
Hope someone can help with a quick question. 

My car insurance is due in 3 weeks so looking to sort a renewal today. Adding my dad to my policy as a named driver brings the cost down. My question is, does this affect him in any way? Realistically he will probably never drive the car. Is that a problem? If I crashed would it affect him at all? 

Thanks

No it would not as you are the main driver - am I correct?
It is deemed as insurance fraud if you know that your dad may never drive the
car . However, I'm guessing that many people do that kind of thing
where men put their wifes name on the insurance though they will never or rarely touch the car as they have their own -
just a heads up.
ATB

Grumpy_chap

sweetsand said:

No it would not as you are the main driver - am I correct?
It is deemed as insurance fraud if you know that your dad may never drive the
car . However, I'm guessing

If you don't know, why are you posting an answer?

Car_54

sweetsand said:

JackTait said:

Hi all
Hope someone can help with a quick question. 

My car insurance is due in 3 weeks so looking to sort a renewal today. Adding my dad to my policy as a named driver brings the cost down. My question is, does this affect him in any way? Realistically he will probably never drive the car. Is that a problem? If I crashed would it affect him at all? 

Thanks

No it would not as you are the main driver - am I correct?
It is deemed as insurance fraud if you know that your dad may never drive the
car . However, I'm guessing that many people do that kind of thing
where men put their wifes name on the insurance though they will never or rarely touch the car as they have their own -
just a heads up.
ATB

Deemed by whom? Not insurance companies, so it must be idiots on web forums.

rs65

sweetsand said:

It is deemed as insurance fraud if you know that your dad may never drive the
car . 

No it isn't

Insuring someone to drive your car is not fraud

treeroy

sweetsand said:

JackTait said:

Hi all
Hope someone can help with a quick question. 

My car insurance is due in 3 weeks so looking to sort a renewal today. Adding my dad to my policy as a named driver brings the cost down. My question is, does this affect him in any way? Realistically he will probably never drive the car. Is that a problem? If I crashed would it affect him at all? 

Thanks

No it would not as you are the main driver - am I correct?
It is deemed as insurance fraud if you know that your dad may never drive the
car . However, I'm guessing that many people do that kind of thing
where men put their wifes name on the insurance though they will never or rarely touch the car as they have their own -
just a heads up.
ATB

That's not insurance fraud. Why would that be fraud? You need insurance to drive the car, just because you never drive the car doesn't mean you are committing fraud...

JackTait

Thanks for the confirmation all! I got a little worried after that comment! Saved me £120 😀

sweetsand

Hi
Having further investigating insurance fraud. I got it slightly wrong.  You can have a named driver that may only drive the car on the odd occasion. Where I got mixed up was what the call "fronting" EG the younger driver claims the older, more experienced driver is the main driver but not and that is insurance fraud.
https://www.moneysupermarket.com/car-insurance/named-driver/