Can I insure my son as a named driver on my car.......

[Moobs]

even though he lives somewhere else and his driving licence shows that?

He will barely drive my car as he owns his own transport vehicles. His own insurance doesn't allow him to drive other vehicles he doesn't own.

[Shaw Tarse]

If he might need to drive it then I'd say yes.

[zaphod42]

Yes. Insured drivers don't have to be the same address.

In reverse scenario, my aged parents who live 300 miles away are insured on my car. Be clear when you talk to the insurer and disclose all, and they will provide the right cover.

[darkyoung1000]

Yes - I'm insured on my Mum's car for when I visit, even though I live 150 miles away. Not an issue as long as you make it clear to the insurance company at the time.

Cheers,
Tom

[Pontoneer]

As with the others , my partner is insured to drive her parents' car , and they live 150 miles away ; likewise I am named on my sister's policy and my daughter on mine - both live 80 miles away ( and daughter has only had 'a shot' of driving mine once ) but we are all insured - just in case .

It is worth mentioning the distance and the probable infrequency of driving since the additional premium will be negligible .

GF was £1.50 extra on her parents policy for their Astra ; 25 YO daughter was an extra £20 on my S Class .

[98elise]

As above, I've been named on my mothers police for as long as I can remember, it cost us nothing and she likes to know that someone else could drive her car for her if needed (even though my own policy covers me as well)

[Furberger]

Cue: "That's insurance fronting and your insurance is now invalid!!!11!!"

[Scelto]

Furberger said:

Cue: "That's insurance fronting and your insurance is now invalid!!!11!!"

Which would be completely wrong, given the details in the original post.

[saaby93]

Scelto said:

Furberger said:

Cue: "That's insurance fronting and your insurance is now invalid!!!11!!"

Which would be completely wrong, given the details in the original post.

If it came to the crunch how would you disprove it?

[Six Fiend]

saaby93 said:

Scelto said:

Furberger said:

Cue: "That's insurance fronting and your insurance is now invalid!!!11!!"

Which would be completely wrong, given the details in the original post.

If it came to the crunch how would you disprove it?

He lives miles away and has his own insurance for other vehicle.

It's all in the big print

[Nick3point2]

Sorry I'm confused. I've never been asked where my named drivers live, or how many miles they will do in the car. I have my dad as a named driver, and I tell my insurer that I rent privately, so why do I need to tell them I don't live at home. Every policy he has been on he has driven the car but normally only for a couple of miles, since he makes the policy much cheaper I ensure he drives the car to make sure his being on the policy can't be seen as fraud.

[anonymous-user]

A named driver not actually driving the car isn't fraud. The fraud occurs when the person insured as the main driver of the car, isn't the main driver.

Nick3point2 said:

Sorry I'm confused. I've never been asked where my named drivers live, or how many miles they will do in the car. I have my dad as a named driver, and I tell my insurer that I rent privately, so why do I need to tell them I don't live at home. Every policy he has been on he has driven the car but normally only for a couple of miles, since he makes the policy much cheaper I ensure he drives the car to make sure his being on the policy can't be seen as fraud.

A named driver not actually driving the car isn't fraud. The fraud occurs when the person insured as the main driver of the car, isn't the main driver.

[Gareth79]

There is absolutely no problem having an infrequent driver as a named driver, since that is precisely what it is for. I have added a parent as a named driver onto most of my recent policies, since it dropped the premium, and it's good they have the option of driving it full comp if required. I can't see there is any requirement for a named driver to ever actually drive the vehicle.

[Mill Wheel]

I'm insured to drive my father's vehicle - and he lives 631 miles away in another country!

The difference is that in France, it is the CAR which is insured - so ANY driver can drive with the owners permission... and his insurance is cheaper and more comprehensive than mine!

[EU_Foreigner]

Don't get me started on the UK insurance racket ...

[Benbay001]

My insurance is due for renewal.
Since i passed my test my mum has always been on my policy as a named driver.
She now lives in Switzerland.
Can i continue with her on my policy?

[Vaud]

Benbay001 said:

My insurance is due for renewal.
Since i passed my test my mum has always been on my policy as a named driver.
She now lives in Switzerland.
Can i continue with her on my policy?

Ask your insurer?

[SteveR1979]

I used to have my parents as named drivers on my policies because it knocked the premium down.

I was open with the broker about it too.

Now they are older, and the cars are higher groups it doesn't pay off like it used to!

[Vaud]

SteveR1979 said:

I used to have my parents as named drivers on my policies because it knocked the premium down.

I was open with the broker about it too.

Now they are older, and the cars are higher groups it doesn't pay off like it used to!

I think the key is "resident in the UK".

[TwigtheWonderkid]

saaby93 said:

Scelto said:

Furberger said:

Cue: "That's insurance fronting and your insurance is now invalid!!!11!!"

Which would be completely wrong, given the details in the original post.

If it came to the crunch how would you disprove it?

You don't have to prove anything. If they think you are fronting, they have to prove it. As as this isn't fronting, they won't be able to prove it!