I don't have any no claims since I had a prang last year so my insurance is about

 

I think you know the answer to this one - you tell them she is the main driver but it is infact you .....

Knowingly making a false statement when taking out an insurance policy is an offence and will invalidate any policy if they found out ..... the merest hint of you trying to be cute can result in all kinds of grief if you had to claim.

 

Cant you just register the car in her name and they wont know anything different? As far as the insurance company are aware its your mums car and you are just driving it occasionally...I guess you can insure another crappy car on your own for pittance a year to build up a no claims bonus..

Im no insurance expert though..

 

P.s.Why bother insuring the Vectra fully comp? If your just trying to build up your no claims then just insure it third party only...Oh my god my scheming mind!!

 

I don't think they give you no claims on 3rd party :o/


maybe I will sell my car to my mum for

 

[QUOTE=danw,Apr 13 2007, 09:12 AM] I don't have any no claims since I had a prang last year so my insurance is about

 

I don't expect them to pay its just illegal to drive without it! I would go third party but you can't build no claims on it so it would never get cheaper

 

Sorry, I'm not sure I was clear. If they found out that you had lied to them about any of the information on the policy, they can/will cancel the policy and backdate the cancellation to the policies inception.

This basically means that you would be driving uninsured, it's not a grey area. What you are suggesting albeit seems minor is fraud.

I'm absolutely convinced you can build NCD on TPFT what makes you think you can't? Have you got confirmation of that from your insurers?

 

Yes you can. I have 3rd party on my second policy and now have a year's no claims on that.

As for the original question, obviously you shouldn't do that. However if two people use a car the concept of "main driver" is a bit difficult to prove either way. But you have to admit it'll look pretty suspiscious.

 

where did you get that from

ive only ever had TPFT until i bought my S2000 , i have full no claims bonus and have never had a problem, ive been insured for 18years

insurance companies will know all the tricks in the book ,a whiff of fraud will cause you no end of problems and could get very expensive

do it if you think you can get away with it but i suspect you wouldnt be happy driving like this otherwise you wouldnt have asked the question.