Insurance Legality Question.

[Ruskie]

If i bought my next car and registered the ownership to my girlfriend, then she insured it with me as a named driver but i would be driving it daily, would this be illegal? If so how could they prove i was not just driving it as a one off? I also live with my G/F if that has any affect on it.

Cheers.

[chib1177]

my question is why are you doing it,

is it to save money on your policy or what,

If its to try and cheat the system and obtain insurance illegally then if you get found out you could be committing a criminal offence of obtaining a pecuniary advantage and the insurance company will not be best pleased.

but you need to give more details first.

Watch out for the sting in the tail though. If you register the car in your girlfriends name and you split up then you may be minus your nice shiny lexus coz she ill have documental proof of ownership.

[peter026]

As far as I am aware it Doesn't matter who owns or bought the car,If your G/F insures it with you as a named driver then in all intents and purposes this is perfectly Legal.

However if, comes a time for you too insure under your own name then you will not be able to claim for a no claims discount,as you were not the lead name on the previous insurance policy, hope this helps

P.S.

It may help to have a word with your local insurance agent

[Jiberjaber]

I am pretty sure that the answer to this is that the main driver is the person who drives the car the most... if you drive the car the most, you should be the principle driver.

It's smae as the 17 year olds who get there mam / dad to insure the car with them as a named driver.

It's like most things, as long as you dont have a significant bump you'll be OK, anything more and when they suss it out, you'll end up out of pocket I'm afraid.

[MrADeveci]

If i bought my next car and registered the ownership to my girlfriend, then she insured it with me as a named driver but i would be driving it daily, would this be illegal? If so how could they prove i was not just driving it as a one off? I also live with my G/F if that has any affect on it.

Cheers.

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Ruskie,

To answer your question yes it IS illegal, and it is an offence.

It's called pecuniary advantage, which means basically you are cheating the Insurance Company so tat you can get cheaper insurance.

But to be honest, there is soo many people out there doing this, that proving it would e very very difficult, as the insurance company would have to hire someone, for 24 hours a day, for at least 7 days a week, to watch you and your car on a daily basis - would that happen ? - no !

So ...... in answer to your question, yes it is illegal, however - it's not the biggest crime in the world, and I have not yet to date known anyone to have been caught out with this.

Instead, because the insurance companies have become wiser of this - they usually qoute the premium on the most highest risk driver anyway, so you don't end up saving that much money, and I personally would just get your own policiy as you get your NCB !

Regards,

[SHAHZ]

A bit but can you be the main policy holder if you are not the registered owner of the car??

[TonyGoose]

It's called pecuniary advantage, which means basically you are cheating the Insurance Company so tat you can get cheaper insurance.

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Yes let's not forget this is the honest and fair insurance industry we're talking about :duh:

They are allowed to screw you as and when they please but ...

any hint that you can get them back results in a law preventing you from doing so.

Even if you do manage it, they simply bend you double and screw you twice as hard next time.

Insurance.. Arghhh.. Do they do job share with estate agents do you think ?

[Rob]

A bit  but can you be the main policy holder if you are not the registered owner of the car??

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yes u can

[Rodders_UK]

Also, don't forget that many companies exchange insruance information - it'd be easy for them to check whether your gf is insured for her own car too (if she has one).

In my experience, insurers often ask if the policyholder is the main driver, presumably so that they can avoid paying out on a claim due to false info being provided (if applicable)

[immx]

Insurance.. Arghhh.. Do they do job share with estate agents do you think ? 

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OI!!!!!!

LOC's resident estate agent!!!! :D

[SHAHZ]

Insurance.. Arghhh.. Do they do job share with estate agents do you think ? 

←

OI!!!!!!

LOC's resident estate agent!!!! :D

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[Ruskie]

Pure and simple to save money, i am currently paying £1700 for me and my missus which is by far the cheapest i could find, i have 4 years no claims and i am sick to death of paying through the nose. almost did the unthinkable and sold up to get a TDI when the renewal came through

As an example if i just so happened to buy a Evo VI and insured it through my girlfriend (31 full NCD, me 22 4years NCD) it would be cheaper than the lex :duh:

[LennyLexus]

Hmm, i was advised by my broker to stay as a named driver on my fathers policy till i was 21 or 25, which I did for 3years...

[MrADeveci]

Hmm, i was advised by my broker to stay as a named driver on my fathers policy till i was 21 or 25, which I did for 3years...

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What do they care ? - they just want to make money after all .....

I usually advise everyone to pay that extra bit in the early stages, but build up your NCB from a young age !

So when you do get to that 25 mark .... you should hopefully have a good full set of NCB !

[petejenkin]

As far as I am aware, the name on a logbook is not necessarily the owner, just the registered keeper.

I have also been told from a mate of mine in the insurance industry, that they are soon to be clamping down on these young lads with fast cars insuring them on their dads policies. I dont understand how they will enforce it, but all I know is, that when my lad passes his test and I buy him his first car (corsa 1.2 or something), I aint having him on my insurance he can get his own.

[peter026]

As far as I am aware, the name on a logbook is not necessarily the owner, just the registered keeper.

I have also been told from a mate of mine in the insurance industry, that they are soon to be clamping down on these young lads with fast cars insuring them on their dads policies.  I dont understand how they will enforce it, but all I know is, that when my lad passes his test and I buy him his first car (corsa 1.2 or something), I aint having him on my insurance  he can get his own.

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If anything like mine it's "Daaad" and your answer is always "How much"

[O'neill]

The wife and I have been doing this for years.

We have got 2 cars, IS200SE and she drives her Escort cossie.

Both log books are in my name, the insurance on both cars is in my name as her as the named driver on both cars. Never had any probs. :D

She's under my insurance on the cossie cos the insurance companys don't seem to like young women with mad cars, funny that. :P :P

We do swap cars a couple of times a week, just for the sake of it.

[mudzs]

As far as I am aware, the name on a logbook is not necessarily the owner, just the registered keeper.

I have also been told from a mate of mine in the insurance industry, that they are soon to be clamping down on these young lads with fast cars insuring them on their dads policies.  I dont understand how they will enforce it, but all I know is, that when my lad passes his test and I buy him his first car (corsa 1.2 or something), I aint having him on my insurance  he can get his own.

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The owner of the car would be the person who bought it .ie the person with his or her name on the reciept,as pete states the name on the log book means nowt apart from being the registered keeper.

as for building up your ncb etc when younger ,the lad thats works for me is struggling the insure a 1.2 clio for less than £2500,the cheapest quote has been for £2450 ,and he lives in an ok postcode etc .impossible for someone of that age to pay out that sort of dough.especialy on what i am paying him :D

[peter026]

Give him a raise

[mudzs]

i did today , ................................ on the end of my boot

[peter026]

Ouch!!