Insurance - If a car is in my name, does it have to be insured?

[Vertigo]

If I can hijack a second, this seems a good place to pose another scenario which arose in discussions at work the other week.

As we all know, putting your mum or sister on your insurance can often help reduce the premiums but, from what we could tell, this doesn't seem to require the formal consent of the third party. This being the case, what's to stop you putting anyone you like on your insurance as a named driver, say the old lady down the road who you speak to once a year?

Surely there must be some "rules" governing who can be a named driver but we were damned if we could find them at the time. Can anyone shed any light?

 

[Skeeter]

how would you tax the car without any insurance out for it?

 

[[TW]Fox]

As we all know, putting your mum or sister on your insurance can often help reduce the premiums but, from what we could tell, this doesn't seem to require the formal consent of the third party. This being the case, what's to stop you putting anyone you like on your insurance as a named driver, say the old lady down the road who you speak to once a year?

Surely there must be some "rules" governing who can be a named driver but we were damned if we could find them at the time. Can anyone shed any light?

Insurance is a contract of 'good faith' - a named driver must be somebody who would be reasonably expected to drive the car. Thats why my Mum is on mine, but my Gran isn't.

 

[Vertigo]

Hmm, sounds a bit subjective when such contracts are usually awash with "legalese" to cover just about every conceivable eventuality.

I'd have thought they'd put in explicit clauses regarding who qualifies to be a named driver rather than leaving it up to "good faith" and thus possible later legal action to make a determination in the event of a claim?

 

[Lopéz]

Bingo.

If your dad is fully comp on his car then he is only insured on a different car if someone else is fully comp on it, otherwise what's to stop people insuring a nova and driving a ferrari legally...

This is not always the case - in fact, I'd say it is far from the norm.

What would stop them insuring a Nova and driving a Ferrari? They fact that they can't tax the Ferrari for a start.

 

[SGWills]

You keep posting about your affiliation with Bell

i dont work for bell, i just said i deal with them on a day to day basis, also that doesnt mean i will know every single procedure in the book, but going by what i get informed about, i try and pass that on to others, at the end of the day if you want to drive other peoples car, go ahead, its just amusing when people ring the company back up when they say the insurance companies wont pay for accidents or incidents that have happened whilst they do so