car insurance

[Bushcraftsman]

Hello,

I'm looking at insurance quotes for cars and im told that it would be cheaper if i have a grandparent on my policy..the only issue is that i live nowhere near my grandparents and they probably wont drive it that often? is this still legal and actually a small loop hole I can exploit? or does it come into the realms of being illegal? I know of other people who have done the same thing I just want to know if its not actually fraud or anything?

Thanks in advance
Jordan

[Barn Owl]

Technically these things are fraud Jordan, if you were to say the main driver was said grandparent and they lived miles away,then obvious.

The most common thing to do is get on a parents policy as a named driver.

[Wayne]

As a named driver though you should not be the primary driver of the car. I recently had a discussion about this with some road traffic police during a road safety course I was instructing on. The insurance industry is getting tougher on the named driver discount. Although how young male drivers as supposed to pay £2000 - £3000 a year third party and keep a car fully maintained is beyond me.

[ged]

Jordan, it's a really, really bad idea to try to hoodwink an insurance company. You might get away with it but if you don't it will most likely be because you were involved in an accident. If the accident was your fault, and, for example, someone were to be badly hurt as a result, and the insurance company decided that you had made a false statement on the particulars, you would be in one hell of a pickle. It could be a pickle which blights the rest of your life. It would certainly make you a marked man as far as the insurance companies are concerned. You might have committed several criminal offences so the law would probably take an interest in you quite apart from the road traffic issues.

Forget loopholes, what your friends might have (told you they've) done, and clever tricks. Tell it like it is. If you can't then afford to pay the premium then don't drive. It's as simple as that.

[Bushcraftsman]

no sorry i was unclear, im the main driver, grandparent is the named one. I have looked at the figures and insurance companies have clocked on to the fact that young drivers are main drivers when they're "supposedly" just named. So the price is actually cheaper on my own insurnace policy.

Heres the situation....insurnace premium without grandparent as a named driver is 2400 with grandparent in its 1900, the only concern is, is it ok to have them as a named driver even if they dont drive the car regularly?

[Bushcraftsman]

scrap that..don't drive the car at all? but just put them down as named driver?

[vizsla]

put them on mate, infact put your whole family on if it helps

[ged]

... is it ok to have them as a named driver even if they dont drive the car regularly?

It would really be a lot better to ask the insurance company.

[whats wrong with you all]

There's no reason why you cant put them on as a named driver, that's not illegal. Just make sure you are the main driver.

[xander]

you as the named driver is the important bit i used to add my dad or mum to bring mine down i think my dad drove my car once when i had i migraine

[dave53]

have you tried nfu insurance? regards dave

[DaveWL]

have you tried nfu insurance? regards dave

I'm with NFU - I tried to get my younger brother sorted through them about three years ago and they then said they didn't take under 25s. He was 24 at the time. They might have changed their policy now ...

[Graham_S]

By the sounds of things it shouldn't be a problem, nor is it fraud.
I always had my Mother as a named driver on my policy.
She had no insurance of her own so if I was at home and she needed to borrow my car, she could.

Whether or not the additional named drivers drive regularly is neither here nor there.
As long as you (the registered keeper) are the policy holder, you're not doing anything wrong.