'Driving on dads insurance'

[RichYC]

Can someone please let me know the rules on this as quite a few of people who post on my website that are insured this way and i'm sure some of them are not totally aware they are not insured.

cheers

[Mice_Elf]

Depends on what it says on their policy, mainly and who is listed as the main driver of the car.

Normally, if "Dad" is listed as main driver, but son / daughter is the one clocking up the mileage, then in the event of a claim, it will be hard to get the insurance to pay out.

Also - I realise that it makes for "cheaper" insurance, but they are not gathering any NCB in their name, so it's a false economy.

[pauleds]

I think that if the vehicle is registered to the Parent and insured principally by the parent with the son/daughter as a named driver,in the event of a claim it would be difficult for the Insurance company to prove that the son/daughter has been the main user of the vehicle if they suspected this to be the case and even if it was the case.
It would give them more grounds not to pay up if the vehicle was registered to the son/daughter but insured by the parent.
If there was an incident involving the vehicle when the son/daughter was driving where the Police were involved and drivers were interviewed and it came to light that breaches of the insurance policy were disclosed,the insurance company would be entitled to a copy of the accident report and would probably say that the driver was not covered.
So the son/daughter may end up out of pocket and being summonsed for no insurance.
At the end of the day people shouldn't be doing it.

[russ]

Had one recently where the insurers refused to pay out. Vehicle was insured by father, son used it to go back and forward to college everyday and then decided to modify the vehicle as well.

Fight for cover is still going on !!

Basically, yes it`s cheaper but we do ask who is going to be the main user of the vehicle. If you say it`s someone else when you know it isn`t then you have lied to the insurance company. If they find you out then they have grounds to cancel your policy on a breach of contract.

It`s a bit fo a minefield this one and i don`t want to give a definitive yes or no. On each occasion i would speak you your own individual insurer.

Russ

[oldcodger]

I agree with Russ on this one.

You need to be aware that a lot of people try this in order to get cheap insurance. If you need to make a claim or justify your cover to the feds, all sorts of alarm bells will ring.

Go to your insurer and tell them EXACTLY who will drive, what they are likely to use the car for and how often each person will be driving.
Ask for a copy of their records and CHECK that the info in the records is the same as yours.

Whatever it costs to do it right, it will be MUCH cheaper than getting it wrong.

[Meridian]

and then decided to modify the vehicle as well

Is it me, or is this person too stupid to live?


M

[Cookie]

Now now M ;)

My brother used to do this (car in my mums name, insurance too with him as a named driver)

Now he has his own car (02 Clio 1.4) and his own insurance, got a 10 month NCB accelerator from elephant and just got his renewal through and its dropped by 600 quid. I guess going on your own insurance does pay off after a year or so :)

[Turboderv]

My brother uses my mum's car he is named on her policy, she uses it everyday for work and he users it occasionally.

It's all very well saying that these people should get their own policy BUT they have to be able to buy there own car aswell. So far as I know you can't have two insurance policies on the one car ? ?

Anyway, my bro miss-judged the gate post and damaged the side of the car, it was going to cost a fair bit so they claimed.

The only difference it made was the policy excess to be paid, as he was under 21 the excess was higher than if my mum (50 plus) had caused the damage.

[Kris]

Yep, this really is a false saving as at the end of the day the son or daughter will need to get nsurance in their own right at some point and they dont earn NCB while driving on mums insurance.

Best one I ever had was with a case where the policy holder/main driver was BLIND (yes you did read that correctly) & the car (an old fiesta) was "occasionally used by his 17 year old daughter. I still have thoughts of that how that guy would have driven..guide dog barks once for "steer right" twice for "steer left" & when it whimpers loudly you brake ?? :stupid:

[russ]

ROFL Kris, nice one. I assume you work in the insurance industry as well then ?

[Meridian]

I still have thoughts of that how that guy would have driven..guide dog barks once for "steer right" twice for "steer left" & when it whimpers loudly you brake ??

Did you see the blind guy do the lap of the circuit in Top Gear - and beat a couple of the guest stars?


M

[Turboderv]

yeah, I saw that very impressive !!

My point above was that if your 19 or 20 years old and a student with zero income, you have a choice to be a named driver on mummy or daddy's policy or not to drive at all.

I know it stops the driver building up their own NCD but to do that they would have to A) buy a car B) Maintain and run it C) pay an extortionate amount out in insurance.

Don't some insurance companies take into account how long you have been a named driver on another policy ? or is that just for people opting out of having a company car ?

[Mice_Elf]

My point above was that if your 19 or 20 years old and a student with zero income, you have a choice to be a named driver on mummy or daddy's policy or not to drive at all.

Incorrect. Mummy & Daddy can pay for the insurance policy, but that's no reason not to have the policy in your own name and drive an older, not very powerful car for a couple of years to build up your own no claims.


I know it stops the driver building up their own NCD but to do that they would have to A) buy a car B) Maintain and run it C) pay an extortionate amount out in insurance.

Again, not true. Usually arguments used by those who want a car that's out of their insurance price because of the image of the car itself. Can't possibly drive an old Fiesta or Metro or whatever because it's just not "cool". :roll: Again, there's nothing stopping mummy & daddy helping out in this case, if they so desire.


Don't some insurance companies take into account how long you have been a named driver on another policy ? or is that just for people opting out of having a company car ?

Not as far as I'm aware, no. Named driver does not necessarily accrue NCB.

[Turboderv]

LOL! missed my point completely, nevermind :)

[russ]

Yep, no named drivers earn NCD.

As for driving on your own even when young is that you can probably only afford a cheap car at that time.By the time you can afford a decent car you don`t have the NCD and get stung on an expensive policy.

I started driving a morris marina :) then a 1.1 ford fiesta, by the time i had a 4 year ncd i could afford a 205 1.9 gti and the premium was reasonable ( £500.00) My mate who stayed on his dads also got one, 1.6 tho, and paid £1800 TPFT :(

[Kris]

Russ

Yep I work on the dark side...claims.

I was the claims controller for a well known direct insurer with a nautical theme from its start to about 5 years ago & since then I'm working for a very large Hire car firm in their European operation.

[jamesedga]

I did it for my fiesta as being a student i could not afford my own policy. I am on my own policy now thou. My friend is now doing it as image is very important to him and he must have a fast expensive to insure car that he cannot afford to fill with petrol.