Insurance Question

Keep in mind the insurance industry has been getting tougher on this for a while now.
I'm not saying all of this will happen- but some will, all of it could happen.
If they find the main driver isn't the main driver, and the additional driver was, they will cancel the policy- no you will not be automatically entitled to a refund they may calculate how much the policy should have been in the name of the additional driver then go from there), they will ban you from that company, and any other companies owned by them, they may do the same for the policy holder who lied to them. They may share that intelligence with other insurers, and may pass it to the police with a view to pressing charges under fraud, so both parties end up with a criminal record. Immediately meaning most insurers will refuse to even quote for them.

You'd have to be unlucky toget foud out, but if you do, you have tounderstand the consequences.
Andy

like i said previously declare everything and hide nothing it just aint worth it in the end to save a few quid on yr premium

Everyone I know is a named driver and god knows their parents aren't really the main driver.

How the hell would you go about proving anything like that?

The guy i knew would accept signed letters buy both drivers bosses at work or college head to say who drove the car most days also things like parking tickets with the drivers name on etc.

The biggest problem for the customers were if it was the name driver in a third party crash as its recorded who was driving and if its a time they might use it every day ie. on the way to college then it starts to stack against you.

But then the guy i knew was a right nut and would send ECUs away if he thought they been chipped and look for anything not declared, air filters where another fav.

M_O

i gota quote off me insurance company that im with at the mo with me vw golf, that they'd insure me on me 90 td (that am doin up) for £395 a yr, but im a named driver on me mums policy.
thats wiv CIS (co-operative insurance) you shud try gettin a quote off them sam

Deak

Footman James

Deak90 said:

i gota quote off me insurance company that im with at the mo with me vw golf, that they'd insure me on me 90 td (that am doin up) for £395 a yr, but im a named driver on me mums policy.
thats wiv CIS (co-operative insurance) you shud try gettin a quote off them sam

Deak

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i got a good quote as me being the named driver, but what about when i want a policy of my own? my premium will go up right?

i wish every insurer had named driver ncb like directline.....

go with admiral multicar then you have can more than one car on the policy makes things alot cheaper we have my mums mine and my sisters on there

im the mian driver on the landy with mum as the named driver i collect the no claims
mum is the main driver on he can with my step dad the named driver she collects the no claims
my sister is the mian driver and my mum is the named and my mum is the named driver my sisters insurance drops form 1200 to 500 on a 06 ibiza and my impreza 2l turbo running 300bhp goes from 1200 to 800 and im 22

big_dan531 said:

go with admiral multicar then you have can more than one car on the policy makes things alot cheaper we have my mums mine and my sisters on there

im the mian driver on the landy with mum as the named driver i collect the no claims
mum is the main driver on he can with my step dad the named driver she collects the no claims
my sister is the mian driver and my mum is the named and my mum is the named driver my sisters insurance drops form 1200 to 500 on a 06 ibiza and my impreza 2l turbo running 300bhp goes from 1200 to 800 and im 22

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sorry mate, just tried, they quoted me almost 4 grand! and that was when i was just sharing the land with my dad (equal usage)

ave ya tried these yet ?

:: Van Insurance from Lancaster Insurance ::

Tindall said:

i got a good quote as me being the named driver, but what about when i want a policy of my own? my premium will go up right?

i wish every insurer had named driver ncb like directline.....

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with cis the named drivers build up a no claims discount, u might have to be over 19 for it though cant remember, but the no claims only count if you go onto your own policy with cis. so its not as good as directline in that way

Deak90 said:

with cis the named drivers build up a no claims discount, u might have to be over 19 for it though cant remember, but the no claims only count if you go onto your own policy with cis. so its not as good as directline in that way

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well, directlines named driver ncd is only guranteed if you take out a policy with them later (same with cis). But like you said, you have to be 19 to start your first year of no claims with cis which is really stingy imo

just put ur dad as the major user u need to put more than one car on the policy so ur dad needs to put his on as well the more cars you have the less time theroy ur driving them if you get what i mean

big_dan531 said:

just put ur dad as the major user u need to put more than one car on the policy so ur dad needs to put his on as well the more cars you have the less time theroy ur driving them if you get what i mean

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its still really expensive though, just as expensive as taking out my own policy in fact.