Insurance question...
Discussion
There's nothing stopping me insuring my son's car in my name (me being the registered keeper, him being 17 and holding a provisional licence) and having him as a named driver is there? I mean, I know people do it, I just wondered what the risks are?
The alternative, £2000+ for insurance, is a little hard to swallow.
The alternative, £2000+ for insurance, is a little hard to swallow.
I don't intend to pretend he has a full licence. So are there no issues with the fact that I have another car and am insured as the main driver on that?
Just wondering because someone pointed me to this thread where an insurance cancelled their policy under similar conditions.
www.pistonheads.com/gassing/topic.asp?t=311850&f=57&h=0
Just wondering because someone pointed me to this thread where an insurance cancelled their policy under similar conditions.
www.pistonheads.com/gassing/topic.asp?t=311850&f=57&h=0
Don't the forms usually ask whether the proposer will be the main driver? If they do ask that and you say no, they will asssume he is the main driver anyway and I should think they would then hike the premium.
In any case, when is he going to start building an NCD if he is not the main driver on a policy?
The insurance companies tend to get you whichever route you choose.
In any case, when is he going to start building an NCD if he is not the main driver on a policy?
The insurance companies tend to get you whichever route you choose.
Zod said:
Don't the forms usually ask whether the proposer will be the main driver? If they do ask that and you say no, they will asssume he is the main driver anyway and I should think they would then hike the premium.
In any case, when is he going to start building an NCD if he is not the main driver on a policy?
The insurance companies tend to get you whichever route you choose.
In any case, when is he going to start building an NCD if he is not the main driver on a policy?
The insurance companies tend to get you whichever route you choose.
Isn't there an insurer who give NCD to named drivers? I know I've seen the advert on TV but can't remember the name of the company.
When our son was learning, we put him on the insurance as a named driver, no probs. When he passed his test, though, the premium went up dramatically. It seems to be quite reasonable in terms of premium to put a learner on the insurance since they can't (legally) drive the car unsupervised. It's when they are allowed out on their own that the bank account starts groaning.
The Dude said:
Zod said:
Don't the forms usually ask whether the proposer will be the main driver? If they do ask that and you say no, they will asssume he is the main driver anyway and I should think they would then hike the premium.
In any case, when is he going to start building an NCD if he is not the main driver on a policy?
The insurance companies tend to get you whichever route you choose.
In any case, when is he going to start building an NCD if he is not the main driver on a policy?
The insurance companies tend to get you whichever route you choose.
Isn't there an insurer who give NCD to named drivers? I know I've seen the advert on TV but can't remember the name of the company.
It's the one that doesn't use a switchboard, you can call them on direct, urrmm....line*, I think.
I found with my 17 yr old (girl) in the same circs that it was actually as cheap to get insurance in her name with me and mrs gridgway as named drivers. Without one of us as a named driver it was very expensive! This was from her 17th birthday when she had a provisional licence. I am the reg keeper of the car. When asked questions about main driver, I didn't actually answer yes/no as in the case of a shared car, who is the main driver? I prob use it least number of times, but do trips so the mileage is higher, mrs gridgway and daughter gridgway use it about the same for frequent mostly short trips.
So I described exactly the use and Elephant were very helpful. We did have a change of car and they did try to tell me that the main driver needed to be the same as the reg keeper, but when questioned they said that they didn't need to be.
Mind you I'm told that boys are much more expensive to insure!
Graham
So I described exactly the use and Elephant were very helpful. We did have a change of car and they did try to tell me that the main driver needed to be the same as the reg keeper, but when questioned they said that they didn't need to be.
Mind you I'm told that boys are much more expensive to insure!
Graham
I stopped a car the other day in a similar position, the problem for that driver was that the insurance company had asked, "are you the owner and main user of the vehicle" to which dad had said, "yes" and there we are with a lowered, window tinted, low profile tyred 205 with a driver who lives away from home ?
The question of "owner" I suppose is debateable, if dad paid is he the owner ? - if dad has no control of the car, no say about how it is modernised, (in fact no knowledge as son lives away from home) then would a court believe him to be the owner ?
The question of "main user" was easy to deal with
Remember if that driver has an accident it is your policy it gets claimed on so you will have to declare "have you ever had a claim in the past 5 years" next time you renew your policy.
Personally, not that I am in love with insurance companies, but they give a quote based on a risk and if they are being kept in the dark about the true risk then that seems a little underhand ? - Just my view in my rosey pink perfect world (with no kids LOL )
P.S We just took images and informed the insurance company and left it to them to deal with their newly discovered risk.
The question of "owner" I suppose is debateable, if dad paid is he the owner ? - if dad has no control of the car, no say about how it is modernised, (in fact no knowledge as son lives away from home) then would a court believe him to be the owner ?
The question of "main user" was easy to deal with
Remember if that driver has an accident it is your policy it gets claimed on so you will have to declare "have you ever had a claim in the past 5 years" next time you renew your policy.
Personally, not that I am in love with insurance companies, but they give a quote based on a risk and if they are being kept in the dark about the true risk then that seems a little underhand ? - Just my view in my rosey pink perfect world (with no kids
LOL ) P.S We just took images and informed the insurance company and left it to them to deal with their newly discovered risk.
justin1230smith said:
I stopped a car the other day in a similar position, the problem for that driver was that the insurance company had asked, "are you the owner and main user of the vehicle" to which dad had said, "yes" and there we are with a lowered, window tinted, low profile tyred 205 with a driver who lives away from home ?
The question of "owner" I suppose is debateable, if dad paid is he the owner ? - if dad has no control of the car, no say about how it is modernised, (in fact no knowledge as son lives away from home) then would a court believe him to be the owner ?
The question of "main user" was easy to deal with
Remember if that driver has an accident it is your policy it gets claimed on so you will have to declare "have you ever had a claim in the past 5 years" next time you renew your policy.
Personally, not that I am in love with insurance companies, but they give a quote based on a risk and if they are being kept in the dark about the true risk then that seems a little underhand ? - Just my view in my rosey pink perfect world (with no kids LOL )
P.S We just took images and informed the insurance company and left it to them to deal with their newly discovered risk.
The question of "owner" I suppose is debateable, if dad paid is he the owner ? - if dad has no control of the car, no say about how it is modernised, (in fact no knowledge as son lives away from home) then would a court believe him to be the owner ?
The question of "main user" was easy to deal with
Remember if that driver has an accident it is your policy it gets claimed on so you will have to declare "have you ever had a claim in the past 5 years" next time you renew your policy.
Personally, not that I am in love with insurance companies, but they give a quote based on a risk and if they are being kept in the dark about the true risk then that seems a little underhand ? - Just my view in my rosey pink perfect world (with no kids
LOL ) P.S We just took images and informed the insurance company and left it to them to deal with their newly discovered risk.
In my own situation a) he doesn't live away from home and b) if he ended up with tinted windows, flash wheels or low profile tyres, it would've been me who paid for them so they wouldn't have gone on the car without my knowledge.
The Dude said:
There's nothing stopping me insuring my son's car in my name (me being the registered keeper, him being 17 and holding a provisional licence) and having him as a named driver is there? I mean, I know people do it, I just wondered what the risks are?
The alternative, £2000+ for insurance, is a little hard to swallow.
The alternative, £2000+ for insurance, is a little hard to swallow.
As long as you answer truthfully all questions asked then they are aware of the risk & the decision is theirs (such as who is the main user ?)
If he has any collisions on you policy, for future disclosures he will have to divulge any collision & you any claim as a result of the use.
Edited by vonhosen on Friday 6th October 09:46
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