Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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if you are both named drivers it isnt illegal at all. Who ever is saying it is, well you are a joker.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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It is illegal.Its called "fronting"
Insurance company will refuse to pay out if they suspect you are doing this.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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I also think its also only come into play within the last cpl of years.
Deffo wasnt an issue 8 years ago when i passed my test.
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mark_gsi
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Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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nar wasnt when i passed my test either. still though, if your insured no reason you cant use it.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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It is a weird 1 tbh.When doing online quotes on comparison sites,they actually try encourage you to add an older driver to reduce the premium cost.
I think its when the policy is in an older drivers name and your the named driver,but use the car most of the time.
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Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
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Even if that was the case I'd like to see them prove who drives it most of the time
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Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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Exactly.They would have a hard job.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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how is it illegal to have 2 main named drivers? Everyones parents insurance must be illegal then. People chat some shit on here at times. Clueless morons.
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John
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Registered: 30th Jun 03
User status: Offline
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You have a policy holder then named drivers.
If he phones the insurance and tells him he's using it for commuting they won't give him a policy unless it's his policy with dad as a named driver.
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Ojc
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Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Yeah what the fuck are you lot talking about?
I'm named driver on both the Astra & Polo as it's cheaper for Rach to get insurance through the women only companies and have me as a named driver, my mates and their missus all do the same as does my sister and her husband.
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John
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Registered: 30th Jun 03
User status: Offline
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If you were the main driver that's illegal, as said though, you can't really ever get caught.
I wouldn't do that because 1, I like having loads of my own no claims, 2 insurance is cheap anyway.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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so for example. my olds have 1 car. my old man has had the policy for many many years with my old dear as a named driver. my old dear drives that car a lot more than my old man as he works away, or works from home when he is back. now thats illegal is it? i dont see why or how thats illegal.
the policy has your name on it. you are covered to drive that vehicle?
edit, forgot a ? as it looked like a statement
[Edited on 24-03-2010 by Nic Barnes]
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Ojc
thegsi sums it up perfectly.
I don't use the VXR during the week and I prefer it that way, if I drove it in traffic I would grow bored and tired of being in it.
But having it there for those beautiful days and road trips is so awesome 
this.
i grew bored of my focus and it got all shitted up being on the road every day throughout winter.
ruined the experience really 
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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quote:
Originally posted by Corsa_Sport21
It is illegal.Its called "fronting"
There is no law that specifically prohibits it, therefore the practice itself isn't illegal. You would commit an offence if, in the event of an accident, your company refused to honour the claim as you would them not be insured against third party risks contrary to Road Traffic Act section 143.
But they have to refuse the claim first, and they have to have reason to do so. And that reason needs to be legitimate enough for them to nullify the contract under which the policy was set up.
In reality, most people in most cases would be fine. But obviously insurance companies are interested in not paying out and have been known to try and avoid doing so.
[Edited on 24-03-2010 by Ian]
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by Nic Barnes
so for example. my olds have 1 car. my old man has had the policy for many many years with my old dear as a named driver. my old dear drives that car a lot more than my old man as he works away, or works from home when he is back. now thats illegal is it?
It techincally is yes, the main driver of the car should be the policy holder.
Mine have the cars insured the same btw, you couldn't ever get caught unless they followed you for a year but you're not supposed to do it.
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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fail to see the problem. if your name is on the document. you are covered.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Who said you aren't covered?
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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well if you are covered then its legal john. thanks for clearing that up.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by John
quote:
Originally posted by Nic Barnes
so for example. my olds have 1 car. my old man has had the policy for many many years with my old dear as a named driver. my old dear drives that car a lot more than my old man as he works away, or works from home when he is back. now thats illegal is it?
It techincally is yes, the main driver of the car should be the policy holder.
Mine have the cars insured the same btw, you couldn't ever get caught unless they followed you for a year but you're not supposed to do it.
if the cars in his dads name his mum cant be the policy holder though.
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John
Member
Registered: 30th Jun 03
User status: Offline
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That's a seperate issue, but she can.
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richc
Member
Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
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quote:
Originally posted by lee_wee
quote:
Originally posted by John
quote:
Originally posted by Nic Barnes
so for example. my olds have 1 car. my old man has had the policy for many many years with my old dear as a named driver. my old dear drives that car a lot more than my old man as he works away, or works from home when he is back. now thats illegal is it?
It techincally is yes, the main driver of the car should be the policy holder.
Mine have the cars insured the same btw, you couldn't ever get caught unless they followed you for a year but you're not supposed to do it.
if the cars in his dads name his mum cant be the policy holder though.
Depends on the company! I often get the option of who is the car registerd to and who is the main driver, and have different in both
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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quote:
Originally posted by Ian
quote:
Originally posted by Corsa_Sport21
It is illegal.Its called "fronting"
There is no law that specifically prohibits it, therefore the practice itself isn't illegal. You would commit an offence if, in the event of an accident, your company refused to honour the claim as you would them not be insured against third party risks contrary to Road Traffic Act section 143.
But they have to refuse the claim first, and they have to have reason to do so. And that reason needs to be legitimate enough for them to nullify the contract under which the policy was set up.
In reality, most people in most cases would be fine. But obviously insurance companies are interested in not paying out and have been known to try and avoid doing so.
[Edited on 24-03-2010 by Ian]
Insurance fronting is classed as fraud,fraud is illegal.
Insurance companies also class fronting as illegal.
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