Car Insurance. Parent as main driver.

How do you mean "can be"? He either is or isnt. If its your car and you do most of the driving then its illegal. And yes, it will ruin his no claims not yours, no matter which company you go with.

Where did he say that? He didnt. All he said was that his dad "could be". My dad "could be", for insurance purposes, as it is hes insured on the car, but hasnt driven it once in 3 years. From "could be" you assumed it would all be legal and kosher. There are plenty of people whos rents are main drivers (for insurance purposes) when in fact they only rarely get behind the wheel. Assumptions are dangerous.........

I agree.
I heard that if you have a crash and the insurance company find out that its actually your car and you are the main driver (not your dad) then they wont pay out for the repairs. Insurance companies aint stupid. They find out. There was something on top gear about it a while ago.

How do you mean "can be"? He either is or isnt. If its your car and you do most of the driving then its illegal. And yes, it will ruin his no claims not yours, no matter which company you go with.

Driving as an additional driver on a parents insurance policy is illegal if you are the main driver.

er, that's called fronting and it is illegal. if you get caught you will get 6 points on your licence and may be charged with driving without insurance.

It is illegal.

While under normal circumstances you are not going to be caught HOWEVER if you have a crash and they find out that its your car, either through any mods you have done to it or anybody testifying that you drive it most then they won't pay out.

tbf your better off just getting your own policy. also be aware that if your dad has his own policy with his own car then he can't use his no claims discount twice. I looked into this, but because my dad no claims discount was already in use on another policy it didn't make it one bit cheaper by having him as the main driver. although i found it made my insurance about £60 cheaper when i added my parents as named drivers to my policy with quinn direct. freaky

Would like to point out that if your parent already has a car, and already uses their no claims discount, then that discount WILL NOT apply to the second car - ie the one you're driving - so it will be quite a lot more expensive than you'd imagine.
That's what Direct Line told me anyway - imagine my surprise when I got a letter through saying my premium was going up by £600 because my mum already had a car using her no claims bonus!!

I think the co-op offer something like this. You can also build up your own no-claims with them. Might be worth investing in protecting your dad's no claims too. It cost my mum £10 to do that I think.

You can protect no-claims, you just pay for the privilege. Direct line also let you build up your own no-claims. The best thing you can do is ring several insurance brokers tomorrow and ask them about your options.....

Guys, I'm NOT trying the break the law here. I said my dad CAN BE the main driver, because if it means my insurance will be £1000 less, which I was quoted for, then I'm willing to let my dad drive the car more than me, IF it means that I'll still be getting a no claims too.

Well I'm not sure about that. I've been quoted about £1000 cheaper WITH my dad as the main driver and it asked me if he already has another car and I put YES..?

I dont get you. He either WILL BE or WONT BE. If he has his own car then chances are he will want to use that rather than yours. Its not a case of "if you let him," moreover a case of "will he use it regularly." You might find difficult questions are asked if he has a car insured in his own name, yet is also the main driver of a car registered in his sons name. Insurance companies arnt daft, they know you cant drive 2 cars at once!

Missed this. When it asked about your dads NCB, you should have put 0 years. If you didnt then requote and see what happens. NCB can only be used on one car at a time, so for the purposes of your policy he doesnt have any bonus.

Well I'm not sure about that. I've been quoted about £1000 cheaper WITH my dad as the main driver and it asked me if he already has another car and I put YES..?

Thanks.

How Would Anyone Find Out?

I can send you the letter asking for the extra £600 if you'd like? Perhaps get a transcript of the phone call? I was quoted £600 less having put my mum down as having another car...then two months later, they asked for the £600. The question is not does your parent already use their no claims discount!

Yup I realise that now, see my previous post.

Excellent, didn't see that, just the quoted post. Don't want anyone else getting stung through this ridiculously quiet piece of insurance legislation!

Driving as an additional driver on a parents insurance policy is illegal if you are the main driver.

I want to know