Children under 16 in the car without stating it on the insurance

the_dudez

What is the legality of carrying kids about on your insurance if you say you have none but take say your sisters kid here and there and have even if you have no accident?

Surely if there not yours and only in the car a few times a year would you still be covered ?   

KimJongUn88

Yes you’d be covered. 

The insurer don’t ask you to log each and every passenger you take in a journey so you’re fine.

TadleyBaggie

As far as I know you can whomever you like in your car whenever you like. 

Car_54

Do car insurers ask whether you have kids? I don't recall that.

Grey_Critic

You are insured to drive a vehicle - does not matter if it is kids of the two or four legged variety as long as they are suitably restrained.

Herzlos

They are asking if you have kids to try and assess risk, they aren't part of the policy.

So you can have anyone you want in the car without issue, unless they are paying you (which is hire and reward)

lemondrops69

[Deleted User] said:

Do car insurers ask whether you have kids? I don't recall that.

Yes they do, they ask how many children under 16 you have

Grumpy_chap

Grey_Critic said:

kids of the four legged variety 

Is anyone allowed to take a young goat in the car?

Car_54

Grumpy_chap said:

Grey_Critic said:

kids of the four legged variety 

Is anyone allowed to take a young goat in the car?

I believe I'm allowed to, but have never had occasion to.

user1977

[Deleted User] said:

Grumpy_chap said:

Grey_Critic said:

kids of the four legged variety 

Is anyone allowed to take a young goat in the car?

I believe I'm allowed to, but have never had occasion to.

Reminds me of the money-saving exploit on Scottish ferries - get an agricultural discount by transporting livestock:

https://www.heraldscotland.com/news/12255210.dont-forget-to-pack-the-sheep-canny-islanders-take-their-sheep-for-awaydays/

NBLondon

lemondrops69 said:

[Deleted User] said:

Do car insurers ask whether you have kids? I don't recall that.

Yes they do, they ask how many children under 16 you have

Never been asked that.  I'm assuming the logic is "Family Person with Children" is assumed to be more sensible than "Single and Childless".  It's only one factor though.