Car insurance and no claims.

Sarah69

I’ve been driving for 7 years now. For personal reasons my car is in my dad’s name. He has always done my insurance, he insures in his name but I’m the named driver. My question is by doing this would I have any no claims discount? I’m having to do my own insurance now and I have no idea. 

TadleyBaggie

Not only would you be getting no no claims, your father appears to be committing insurance fronting if you are the main driver

Ayr_Rage

Oops, sounds like many year of "fronting" which is fraudulent.

What kind of "personal reasons" mean that it is in your father's name?

Are you trying to hide assets from DWP or an ex partner?

It all sounds rather suspicious to be honest.

oldernonethewiser

If he is the main driver and you are a named driver then fine, however you won't be able to build up any no-claims bonus. 

If you are the main driver but identified on the policy as a named driver well, read this....

https://www.confused.com/car-insurance/guides/what-is-fronting

chrisw

It's fine as long as you, the named driver, are also declared as the main driver (if indeed you are.)

CliveOfIndia

Putting aside the (very valid) concerns about fronting, the answer to your question is "it depends".  As a named driver, you don't build up any NCD as such.  However, some insurance companies will give you some NCD based on your driving history as a named driver.  Very often it means sticking with the same insurance company as your dad is with, so it somewhat limits your ability to shop around.  But yes, some insurers will give you some kind of discount, it's a case of looking around and seeing which ones will do it.

And it may not necessarily be the "full" NCD.  If you've been the named driver for 7 years, they may not give you the full 7 years NCD (or even 5, which is the most that a lot of insurers will recognise anyway).  You may find they give you 2 or 3 years, for instance, but that's better than nothing.

Bigphil1474

OP, you probably need to provide a bit more info if you want some useful advice. 

When you say your car is in your dad's name - do you mean he is the registered keeper? if so, it doesn't matter hugely for the purposes of insuring the car, other than some insurers want the insured to be the RK.

When you say he insures it in his name and you are the named driver - do you mean it's insured by him but you are named as the main driver and he is a named driver? If so, that's fine if you are the main driver. If he is down as the main driver and you as a named driver, and he is the main driver, then again no problem. As above, if he is insured as the main driver, but you are actually the main driver, then that is fronting and is illegal.

Is your dad no longer insuring the car as he is no longer driving or similar reasons? If so, you could contact the existing insurer and see if they will transfer the policy to you and give you some NCB. They aren't required to but they may do to keep you as a customer. It often works like that with a married couple, so no reason why it shouldn't happen for father/daughter, assuming you live together and there is no fronting etc. taking place. If you go to another insurer you are very unlikely to get any good will NCB.

If you have been fronting for 7 years, then you are probably taking the mickey asking for any NCB as well! Good luck.

Sarah69

Ayr_Rage said:

Oops, sounds like many year of "fronting" which is fraudulent.

What kind of "personal reasons" mean that it is in your father's name?

Are you trying to hide assets from DWP or an ex partner?

It all sounds rather suspicious to be honest.

As I’ve said it’s personal why my car is in my dad’s name. I’m sure there’s nothing wrong in doing that.

400ixl

The registered keeper of the vehicle is not an issue, neither to a degree is the policy owner from an insurance legal perspective. If however your father has also insured it with him as the main driver and you as a named driver, when in fact you do 51% or more of the driving to keep the cost down then that is insurance fraud.

If you are hiding the care for other purposes then that is not an insurance issue.

So do we have it correct:
Registered Keeper is your Dad
Policy owner is your Dad
Main driver is your Dad
Named driver is You

If that is the case then you have 0 NCD from this policy and never will.

If you do less driving of the vehicle then this is correct. If you do more then you are fronting and have been committing insurance fraud.

You could ask your insurer if they will give you an introductory discount based on your history as a named driver, or maybe try a broker who can look at a wider pool of insurers who may give you an introductory discount. No idea if asking your current insurer will flag a possibility of a fronting investigation on the current policy.

Are you also planning on changing the registered keeper to your name (V5C)?

Sarah69

Bigphil1474 said:

OP, you probably need to provide a bit more info if you want some useful advice. 

When you say your car is in your dad's name - do you mean he is the registered keeper? if so, it doesn't matter hugely for the purposes of insuring the car, other than some insurers want the insured to be the RK.

When you say he insures it in his name and you are the named driver - do you mean it's insured by him but you are named as the main driver and he is a named driver? If so, that's fine if you are the main driver. If he is down as the main driver and you as a named driver, and he is the main driver, then again no problem. As above, if he is insured as the main driver, but you are actually the main driver, then that is fronting and is illegal.

Is your dad no longer insuring the car as he is no longer driving or similar reasons? If so, you could contact the existing insurer and see if they will transfer the policy to you and give you some NCB. They aren't required to but they may do to keep you as a customer. It often works like that with a married couple, so no reason why it shouldn't happen for father/daughter, assuming you live together and there is no fronting etc. taking place. If you go to another insurer you are very unlikely to get any good will NCB.

If you have been fronting for 7 years, then you are probably taking the mickey asking for any NCB as well! Good luck.

Yes it’s in his name so I guess he’d be the registered keeper then. 

He’s always done the insurance for me so as far as I know it’s insured in his name and I’m the named driver. He has his own car and I’ve just been added to his policy so I can drive that. 

I’m just trying to do my own insurance because he is unable to and to be honest it’s all a bit confusing having never done it before.

 I’ve never heard the word fronting and don’t know what it means. As others have posted that the insurance that he’s doing is illegal or whatever I’m sure he doesn’t realise that because he’s not the sort of person to do anything illegal! 

marcia_

Sarah69 said:

Ayr_Rage said:

Oops, sounds like many year of "fronting" which is fraudulent.

What kind of "personal reasons" mean that it is in your father's name?

Are you trying to hide assets from DWP or an ex partner?

It all sounds rather suspicious to be honest.

As I’ve said it’s personal why my car is in my dad’s name. I’m sure there’s nothing wrong in doing that.

 Read this https://www.moneysupermarket.com/car-insurance/what-is-car-insurance-fronting/#:~:text=Fronting%20in%20car%20insurance%20is,result%20in%20a%20cheaper%20premium.