How do I avoid this ?
Joined: Dec 2003
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Originally Posted by MarkB,Jan 9 2006, 11:29 AM
@ Jamie......Seriously though, one thing to watch out for is that insuring a car yourself and allowing your son as a second driver, then letting him drive the car as the main driver won't be looked on favourably by the insurance company should a claim arise.
It's fine insuring him as a second driver on a car you do use as the main driver, but only if you can prove it's not 'his' car.
I think they'd probably cry fraud and you'd be hard pressed to contest.....
Best advice is to get him in the lowest insurance car you can find for a year or two and get his NCB built up, it's a fact of life for 17 year olds these days that insurance has rocketed and most will not be able to afford to insure a car they want to drive, so end up not bothering at all or confined to something embarrassing until they turn 20.
"You pays your money and you takes your choice" (it worked for us 
).
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From: Survivalist enclave
Originally Posted by mikdys,Jan 9 2006, 11:46 AM
Obviously, you don't register the car in his name "You pays your money and you takes your choice" (it worked for us ).
"You pays your money and you takes your choice" (it worked for us ).Particularly if it's a big claim
Bottom line with 'fiddling' insurance is that you could seriously inconvenience someone outside your family
Personally, I think that's indefensible
Sorry there's no way to post that without sounding holier-than-thou
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Joined: Aug 2004
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From: Hampshire, UK
Direct Line may answer your prayers.
They are now offering NCB to named drivers.
Therefore you can insure a small car in your name with him as named driver and he will earn NCB if he doesn't spong'ificate it.
They are now offering NCB to named drivers.
Therefore you can insure a small car in your name with him as named driver and he will earn NCB if he doesn't spong'ificate it.
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Joined: Jun 2004
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From: Hatfield
TBH, is sounds like the best thing to do is what Lee and I did.
No not that thing , the other thing......
We registered and insured the Micra in Lee's name with myself as a named driver, and then later on, when I bought the mini, the same thing.
As far as I can remember the insurance cost about
No not that thing , the other thing......
We registered and insured the Micra in Lee's name with myself as a named driver, and then later on, when I bought the mini, the same thing.
As far as I can remember the insurance cost about
Joined: Dec 2003
Posts: 2,771
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Originally Posted by gaddafi,Jan 9 2006, 11:52 AM
I can assure you they will look at it a lot more carefully than checking whose name is on the V5 - they aren't exactly unaware that this goes on
Particularly if it's a big claim
Bottom line with 'fiddling' insurance is that you could seriously inconvenience someone outside your family
Personally, I think that's indefensible
Sorry there's no way to post that without sounding holier-than-thou
Particularly if it's a big claim
Bottom line with 'fiddling' insurance is that you could seriously inconvenience someone outside your family
Personally, I think that's indefensible
Sorry there's no way to post that without sounding holier-than-thou
If they did though and you lost the value of the car that would be way less than you are paying for the insurance anyway. Where third parties are involved I doubt very much an insurer would refuse to pay them out on the grounds that a "named user" was a "main user" (like I said earlier they may refuse to pay the value of your car but that's nothing to worry about when you are dealing with "bangers"). They would get slaughtered by the insurance ombudsman if they tried to refuse a third party's claim.
I agree the insurers "aren't exactly unaware that this goes on" -that's why even going this route isn't exactly cheap (maybe saving only 10 or 15% or so but thats a couple of hundred pounds at the rates being charged). Another reason why I think they would have to pay a third party's claim. This has to be a lot better than going unisured like some kids do.
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From: Survivalist enclave
Originally Posted by mikdys,Jan 9 2006, 12:46 PM
1. That will depend very much on what the claim is - a simple theft claim on a old banger, for example, they won't even consider that aspect I doubt.
2. If they did though and you lost the value of the car that would be way less than you are paying for the insurance anyway. Where third parties are involved I doubt very much an insurer would refuse to pay them out on the grounds that a "named user" was a "main user" (like I said earlier they may refuse to pay the value of your car but that's nothing to worry about when you are dealing with "bangers"). They would get slaughtered by the insurance ombudsman if they tried to refuse a third party's claim.
3. I agree the insurers "aren't exactly unaware that this goes on" -that's why even going this route isn't exactly cheap (maybe saving only 10 or 15% or so but thats a couple of hundred pounds at the rates being charged). Another reason why I think they would have to pay a third party's claim. This has to be a lot better than going unisured like some kids do.
2. If they did though and you lost the value of the car that would be way less than you are paying for the insurance anyway. Where third parties are involved I doubt very much an insurer would refuse to pay them out on the grounds that a "named user" was a "main user" (like I said earlier they may refuse to pay the value of your car but that's nothing to worry about when you are dealing with "bangers"). They would get slaughtered by the insurance ombudsman if they tried to refuse a third party's claim.
3. I agree the insurers "aren't exactly unaware that this goes on" -that's why even going this route isn't exactly cheap (maybe saving only 10 or 15% or so but thats a couple of hundred pounds at the rates being charged). Another reason why I think they would have to pay a third party's claim. This has to be a lot better than going unisured like some kids do.