Someone putting you on their insurance as a named driver
Discussion
My 88 year old father breezily told me in a phone call recently that - a while back - he'd put me down as a named driver on his insurance policy.
He says it's in case I need to drive his car, but - given they live four hours away and the only way to get there is in my own car - I suspect it's to get the premium down, given their ages (mum also in her 80s, and a bit of a claims history).
My sister and I have been trying to convince them to stop driving before they kill someone (there have been a few worrying incidents), and for the past few years they've been saying they're going to give up the car but never do.
Anyway... the reason for posting is to get a bit of advice: if he's put me on his policy as a named driver, does that affect my policy? If he was to make a claim, would it affect my insurance quotes even if I wasn't driving at the time??
I'm really a bit unhappy about him putting me on his policy without asking me, and my gut feel is to ask him to call them and take me off again. That would probably mean his insurance becomes unaffordable and he has to finally give up the car, which in my view would be a good thing anyway, but of course there'd be a bit of fallout.
He says it's in case I need to drive his car, but - given they live four hours away and the only way to get there is in my own car - I suspect it's to get the premium down, given their ages (mum also in her 80s, and a bit of a claims history).
My sister and I have been trying to convince them to stop driving before they kill someone (there have been a few worrying incidents), and for the past few years they've been saying they're going to give up the car but never do.
Anyway... the reason for posting is to get a bit of advice: if he's put me on his policy as a named driver, does that affect my policy? If he was to make a claim, would it affect my insurance quotes even if I wasn't driving at the time??
I'm really a bit unhappy about him putting me on his policy without asking me, and my gut feel is to ask him to call them and take me off again. That would probably mean his insurance becomes unaffordable and he has to finally give up the car, which in my view would be a good thing anyway, but of course there'd be a bit of fallout.
As long as it is an 'additional' driver it isn't a problem. Any claim by either of them due to an incident would not affect any other named drivers unless you were actually the driver, because then you'd have to declare that you'd had an accident / incident / claim.
However, if you have been put down as the main driver, that is basically 'fronting' and illegal.
Much in the way youngsters are put down as an 'additional' driver and then use a car the majority of the time.
However, if you have been put down as the main driver, that is basically 'fronting' and illegal.
Much in the way youngsters are put down as an 'additional' driver and then use a car the majority of the time.A few years ago I was asked, when insuring my own car, with me as the only driver, how much NCD my OH had because I was a named driver on her policy. What bearing would her NCD have on me insuring my car for me only just because I'm a named driver on her car too? The reason I mention this is because, maybe they do factor it in somehow, otherwise, why would they even ask?
WilsonWilson said:
I'm always confused by the old "try adding an additional driver to lower your premium" in 20 years it has always made it more expensive for me. Even if some years it's only been £30.
For the first few years after my lad passed his test, having me named on his insurance significantly reduced his premiums.My wife's grandad who is 86 recently had a renewal for £1400, as he is getting more frail and struggles to get in my transporter and the wife's 3 series I suggested rather than driving his car on my own 3rd party cover when taking him to appointments and things I'd get a quote with me as a named driver, it reduced it over half to £610 I think it was.
His car is low value so wasn't an issue droving on 3rd party but shows the circle of insurance goes high young males, reduces in middle age then ramps up again,
His car is low value so wasn't an issue droving on 3rd party but shows the circle of insurance goes high young males, reduces in middle age then ramps up again,
gregch said:
Anyway... the reason for posting is to get a bit of advice: if he's put me on his policy as a named driver, does that affect my policy? If he was to make a claim, would it affect my insurance quotes even if I wasn't driving at the time??
.
Check your insurance policy details, to see if you have to declare being a named driver on another policy..
It's not someone randomly putting you on their insurance. It's your Dad!
I'm named driver on my Mums, Dads (2 cars), sisters and BILs cars and 2 of my friends. There's no problem. If they make a claim on their policy and I'm not aware of it, then I'm not aware of it and has no bearing on my insurances.
I'm named driver on my Mums, Dads (2 cars), sisters and BILs cars and 2 of my friends. There's no problem. If they make a claim on their policy and I'm not aware of it, then I'm not aware of it and has no bearing on my insurances.
gregch said:
My 88 year old father breezily told me in a phone call recently that - a while back - he'd put me down as a named driver on his insurance policy.
He says it's in case I need to drive his car, but - given they live four hours away and the only way to get there is in my own car - I suspect it's to get the premium down, given their ages (mum also in her 80s, and a bit of a claims history).
My sister and I have been trying to convince them to stop driving before they kill someone (there have been a few worrying incidents), and for the past few years they've been saying they're going to give up the car but never do.
Anyway... the reason for posting is to get a bit of advice: if he's put me on his policy as a named driver, does that affect my policy? If he was to make a claim, would it affect my insurance quotes even if I wasn't driving at the time??
I'm really a bit unhappy about him putting me on his policy without asking me, and my gut feel is to ask him to call them and take me off again. That would probably mean his insurance becomes unaffordable and he has to finally give up the car, which in my view would be a good thing anyway, but of course there'd be a bit of fallout.
The thing you need to establish is whether or not he has actually put you down as the policyholder, either by design or just a senior moment.He says it's in case I need to drive his car, but - given they live four hours away and the only way to get there is in my own car - I suspect it's to get the premium down, given their ages (mum also in her 80s, and a bit of a claims history).
My sister and I have been trying to convince them to stop driving before they kill someone (there have been a few worrying incidents), and for the past few years they've been saying they're going to give up the car but never do.
Anyway... the reason for posting is to get a bit of advice: if he's put me on his policy as a named driver, does that affect my policy? If he was to make a claim, would it affect my insurance quotes even if I wasn't driving at the time??
I'm really a bit unhappy about him putting me on his policy without asking me, and my gut feel is to ask him to call them and take me off again. That would probably mean his insurance becomes unaffordable and he has to finally give up the car, which in my view would be a good thing anyway, but of course there'd be a bit of fallout.
With many policies, the policyholder is on the hook for any uninsured losses incurred by all named drivers.
For Admiral, their wording suggests that they will recover uninsured losses from the policyholder and any insured person.....
Uninsured loss can be the result on many things, including drink/drug driving, lack of valid licence, overloaded vehicle, carrying passengers in the boot, basically anything deliberate/reckless.
Worst case, you lose your house because Mum had slightly too much sherry before crashing (again...) into a pedestrian and putting them in a wheelchair for life.
Yes, it's a low probability outcome, but if it was me, I'd be getting myself off their policy straight away.
It can affect your insurance being a named driver on another policy.
About 15 years ago my wife had a small bump in her car, settled through her insurance no problems. A couple of months later I get a letter from my motorcycle insurance telling me that I had to pay them another £20 or they would cancel my policy due to the fact that I had not informed them of a claim made on a car insurance policy on which I was the named driver. A lengthy phone call then ensued where I really struggled to keep my temper as they could not give any rational explanation as why a claim on a car policy on which I was a named driver could affect my motorcycle insurance.
I ended up paying the extra £20 because otherwise the bike insurance would be cancelled and that would definitely not be a good thing. Never used that particular bike insurer again.
Then 2 years ago my wife made another claim on her car insurance for malicious damage, again with me as a named driver. As I was just about to renew my bike insurance I informed them of this claim. They just said to me it did not matter at all and would not affect my policy at all.
Always check your policy and read all the small print, vehicle insurers are not helpful and open hence all the small print.
I can still not get a sensible answer from anywhere as why my bike insurance and my wife's car insurance increased when I told them I was retired and would not be commuting 4 days a week into the s
thole that is Bradford and also doing less miles per year.
About 15 years ago my wife had a small bump in her car, settled through her insurance no problems. A couple of months later I get a letter from my motorcycle insurance telling me that I had to pay them another £20 or they would cancel my policy due to the fact that I had not informed them of a claim made on a car insurance policy on which I was the named driver. A lengthy phone call then ensued where I really struggled to keep my temper as they could not give any rational explanation as why a claim on a car policy on which I was a named driver could affect my motorcycle insurance.
I ended up paying the extra £20 because otherwise the bike insurance would be cancelled and that would definitely not be a good thing. Never used that particular bike insurer again.
Then 2 years ago my wife made another claim on her car insurance for malicious damage, again with me as a named driver. As I was just about to renew my bike insurance I informed them of this claim. They just said to me it did not matter at all and would not affect my policy at all.
Always check your policy and read all the small print, vehicle insurers are not helpful and open hence all the small print.
I can still not get a sensible answer from anywhere as why my bike insurance and my wife's car insurance increased when I told them I was retired and would not be commuting 4 days a week into the s
thole that is Bradford and also doing less miles per year.Pelicula said:
Is that where we're at ? Suggestions of reporting your own father to the government ?
Jesus.
Ah, so it's OK for the elderly to drive around putting everyone else at risk because their family don't want to hurt their feelings? Explain that one to the family of the person he kills.Jesus.
Pelicula said:
simon_harris said:
It won't affect you at all, but if you are really concerned about his/their driving you can report him to the DVLA, or you can speak to their Dr and ask them to do so.
Is that where we're at ? Suggestions of reporting your own father to the government ?Jesus.
WilsonWilson said:
I'm always confused by the old "try adding an additional driver to lower your premium" in 20 years it has always made it more expensive for me. Even if some years it's only been £30.
I added my wife to my insurance as a named driver last year on the first year anniversary of her passing driving test.I got a refund of £16 for the remaining 10 months of my policy.
This was on a Discovery 4. The only cars she had driven before this were the driving school cars and her Skoda Fabia.
When I tried to add her before having her license for 1 year companies either wouldn't quote or were a £400+ increase in my premium.
babelfish said:
WilsonWilson said:
I'm always confused by the old "try adding an additional driver to lower your premium" in 20 years it has always made it more expensive for me. Even if some years it's only been £30.
I added my wife to my insurance as a named driver last year on the first year anniversary of her passing driving test.I got a refund of £16 for the remaining 10 months of my policy.
This was on a Discovery 4. The only cars she had driven before this were the driving school cars and her Skoda Fabia.
When I tried to add her before having her license for 1 year companies either wouldn't quote or were a £400+ increase in my premium.
simon_harris said:
Pelicula said:
simon_harris said:
It won't affect you at all, but if you are really concerned about his/their driving you can report him to the DVLA, or you can speak to their Dr and ask them to do so.
Is that where we're at ? Suggestions of reporting your own father to the government ?Jesus.
What happens, how do the DVLA investigate it?
WilsonWilson said:
I'm always confused by the old "try adding an additional driver to lower your premium" in 20 years it has always made it more expensive for me. Even if some years it's only been £30.
Have always seen a £20-£30 reduction by adding my other half... BUT they will always ask if the other person has got any points, or claims in the last five years etc... if yes that could push the price up...
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