main named driver enquiry

SamPazz · 13 Jun 2014 at 19:52

Recently ive just been running a few quotes for a new car im hoping to buy, and ive noticed that theres an option to choose a main driver, so if i was to get my dad to open the policy and put me down as a named driver, but also main driver, would that be legal or still classed as fraud?

This is through compare the market and we will both be using the vehicle but as he is getting a company car so ill be using it a little more.

Thanks, sam.

SamPazz · 13 Jun 2014 at 19:54

And also if it was legal and we did this, who would recieve the no claims?

Sho · 13 Jun 2014 at 19:56

At no point should you add your name as the main driver on someone else's car, such as one of your children, instead of them. This is known in the industry as 'fronting' and is fraud. When you come to claim, this will be checked out and your insurance will be invalidated. It can lead to prosecution, so don't do it.

SamPazz · 13 Jun 2014 at 20:12

But wouldnt that be if i was only a named driver and him as main and i was to use it more? Or is it still same rules even if i was to be insured as the main driver?

Jokester · 13 Jun 2014 at 20:16

You won't earn the NCB either.

miniyazz · 13 Jun 2014 at 21:01

If you're the main driver and you describe yourself as the main driver it doesn't matter who owns the policy.
Most places will also let you choose who earns the NCB.

Equally, it probably won't make two hoots difference if you're the policy holder or he's the policy holder, if all other information is the same.

bJN · 13 Jun 2014 at 21:03

SamPazz said:
Recently ive just been running a few quotes for a new car im hoping to buy, and ive noticed that theres an option to choose a main driver, so if i was to get my dad to open the policy and put me down as a named driver, but also main driver, would that be legal or still classed as fraud?

This is through compare the market and we will both be using the vehicle but as he is getting a company car so ill be using it a little more.

Thanks, sam.

If I'm reading that right, you want to be the main driver and named driver on the policy? Or you mean the car will be registered in your name, but the insurance policy will be opened under your father's name with you as a named driver?

If that's the case then there is nothing illegal about it. However if you are found to be using the car more than him then it falls under "fronting" and is classed as fraud, which invalidates the policy and can lead to prosecution.

IAmATeaf · 13 Jun 2014 at 21:24

Sho said:
At no point should you add your name as the main driver on someone else's car, such as one of your children, instead of them. This is known in the industry as 'fronting' and is fraud. When you come to claim, this will be checked out and your insurance will be invalidated. It can lead to prosecution, so don't do it.

Click to expand...

That's not what the OP is suggesting. I do this for my wifes car, the car is owned by me, the policy is under my name but my wife is named as the main driver.

SamPazz · 13 Jun 2014 at 21:27

bJN said:
If I'm reading that right, you want to be the main driver and named driver on the policy? Or you mean the car will be registered in your name, but the insurance policy will be opened under your father's name with you as a named driver

The car and policy will be in my dads name, and i would be a named driver but also opted as the main driver

Jokester · 13 Jun 2014 at 21:28

IAmATeaf said:
That's not what the OP is suggesting. I do this for my wifes car, the car is owned by me, the policy is under my name but my wife is named as the main driver.

Yeah just re-read it. I'm a bit confused by this, if he's the main driver, but it's his dad's policy, why should it be any cheaper than just being his own policy with his dad as a named driver (or is it the same thing essentially?)

SamPazz · 13 Jun 2014 at 21:28

miniyazz said:
If you're the main driver and you describe yourself as the main driver it doesn't matter who owns the policy.
Most places will also let you choose who earns the NCB.

Equally, it probably won't make two hoots difference if you're the policy holder or he's the policy holder, if all other information is the same.

It makes a huge difference as i have no no claims and he has around 7 or so.

novaenough · 13 Jun 2014 at 22:22

As long as your being honest about who is the main driver you aren't doing anything wrong.
The thing you need to check is who gets to build up their no claims, if it's not you I would've thought your wasting your time.
I'd also be surprised if it's really cheap if your down as being the main driver since you'd be a bigger risk than your dad but is all good if it works out that way for you.

Resident · 13 Jun 2014 at 23:02

It can't be your Dad's policy and then you named at the main driver. The policy holder IS the main driver.

[TR]SweetSpotOz · 13 Jun 2014 at 23:08

miniyazz · 13 Jun 2014 at 23:11

SamPazz said:
It makes a huge difference as i have no no claims and he has around 7 or so.

Either way you're still the main driver, and you still have 0 NCB (and more importantly, I'm guessing passed your test within the last year). It's not like you're magicking 7 years no claims from somewhere. If it makes a difference and it's cheaper, great, just make sure all the facts are correct and you're not accidentally fronting.

Resident said:
It can't be your Dad's policy and then you named at the main driver. The policy holder IS the main driver.

Rubbish. The main driver is whoever you tell the insurer is the main driver.

SamPazz · 13 Jun 2014 at 23:15

miniyazz said:
Either way you're still the main driver, and you still have 0 NCB (and more importantly, I'm guessing passed your test within the last year). It's not like you're magicking 7 years no claims from somewhere. If it makes a difference and it's cheaper, great, just make sure all the facts are correct and you're not accidentally fronting.

Rubbish. The main driver is whoever you tell the insurer is the main driver.

Im 20 and passed my test almost 3 years ago and havent warrented having my own car but circumstances have changed so i need one that i can use more often

And because ive never had my own insurance its a bit steep so using his softens the blow a bit