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Can I insure a car in my mothers name and still be the registered owner?
Essentially my boyfriend has gone mental and bought me a car which I can have for my 21st
It's a category 20 insurance and I just checked it out and my annual premium would be about 4/5000 0_o
sooo just wondering if I insured it on my mothers name and then was a named driver on the policy could I still be the registered owner?...as I don't really want my mother to be the registered owner. I've done a bit of googling and its says yes/no/maybe so meh...on direct line specifically cause I can keep earning no claims then (I'm already insured on her car on there)...
anyone done this?
silly silly men.
It's a category 20 insurance and I just checked it out and my annual premium would be about 4/5000 0_o
sooo just wondering if I insured it on my mothers name and then was a named driver on the policy could I still be the registered owner?...as I don't really want my mother to be the registered owner. I've done a bit of googling and its says yes/no/maybe so meh...on direct line specifically cause I can keep earning no claims then (I'm already insured on her car on there)...
anyone done this?
silly silly men.
Scroll to see replies
Reply 1
I'm not sure what your asking lol.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
Reply 2
Maloney
I'm not sure what your asking lol.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
meh ah well.....
also does anyone know whether direct line insures imports?
Maloney
I'm not sure what your asking lol.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
To add to this, OP, even if you really, actually do less mileage than your mother in the vehicle, they really will assume that YOU are fronting if you're the registered owner (unless you can prove otherwise, which would be incredibly difficult). Unfortunately, in the world of insurance, it really is guilty until proven innocent.
As for the imports thing, ring them and ask.
Reply 4
Out of interest, what kind of car is it?
Reply 5
Maloney
I'm not sure what your asking lol.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
But, if your asking whether your mum can be the policyholder and you the named driver, yet you drive the car and you pay petrol/costs etc, then no you can't.
It's called 'fronting' and if your insurance company finds out, they'll void your insurance.
And how would they know???? OK it is illegal... but so are many things, the MP's and deception comes to mind. OK it is not right... neither is sending people to die in Afghanistan without body armour... In relative terms it's not a big deal. Get over it.
Reply 6
facedrop
And how would they know???? OK it is illegal... but so are many things, the MP's and deception comes to mind. OK it is not right... neither is sending people to die in Afghanistan without body armour... In relative terms it's not a big deal. Get over it.
They wont. Just make sure you don't get caught. Some insurance companies are fine with it, such as Admiral. But other insurance companies will take your money from you, knowing full well what your doing, but then will refuse to pay out if you have an accident.
Just have your story sorted before you report an accident
Reply 7
Maloney
They wont. Just make sure you don't get caught. Some insurance companies are fine with it, such as Admiral. But other insurance companies will take your money from you, knowing full well what your doing, but then will refuse to pay out if you have an accident.
Just have your story sorted before you report an accident
Just have your story sorted before you report an accident
Yep, this. Just do not do anything silly like assuming any company is going to be ok with anything. Just know that when you put your claim in - you only drive now and again!
Reply 8
I have worked in insurance for the last 5 years- as previously pointed out it is called fronting and also classed as insurance fraud. Although the chances of them finding out are very slim, if they do they can refuse your claim, void your cover and cancel the policy. You then need to declare to other insurance companies why you have had insurance cancelled by another company, which affects your ability to get insurance later in life (not just motor-all insurances).
I do not know one insurance company who would be fine with is- the reason I say this is that you present a higher risk to them that your mum. The premium you pay is based in the risk presented. So essentially if you mum is the policy holder, you are paying a much lower premium compared to the risk that they are taking on (obviously you being a named driver is factored into the cost).
I am sure if you asked Admiral if they are happy to take on a fronted policy and recieve less money from your for the same risk they would say no.
As soon as they suspect fronting (car has just been purchased, young driver on the policy, more than one car at the home etc) they automaticly charge you a bit more anyway.
Although the chances of you getting found out are slim do you really want to risk it?
I do not know one insurance company who would be fine with is- the reason I say this is that you present a higher risk to them that your mum. The premium you pay is based in the risk presented. So essentially if you mum is the policy holder, you are paying a much lower premium compared to the risk that they are taking on (obviously you being a named driver is factored into the cost).
I am sure if you asked Admiral if they are happy to take on a fronted policy and recieve less money from your for the same risk they would say no.
As soon as they suspect fronting (car has just been purchased, young driver on the policy, more than one car at the home etc) they automaticly charge you a bit more anyway.
Although the chances of you getting found out are slim do you really want to risk it?
facedrop
And how would they know???? OK it is illegal... but so are many things, the MP's and deception comes to mind. OK it is not right... neither is sending people to die in Afghanistan without body armour... In relative terms it's not a big deal. Get over it.
They don't have to know. The moment they suspect - which, if the OP has an accident, it's likely they will if she's the registered owner or it's kept at a student address or whatever, they will void the policy straight away.
Reply 10
facedrop
And how would they know???? OK it is illegal... but so are many things, the MP's and deception comes to mind. OK it is not right... neither is sending people to die in Afghanistan without body armour... In relative terms it's not a big deal. Get over it.
With your argument, you could say that, say, relative to doing something illegal but petty, insurance fraud is a big deal.
Reply 11
Maloney
They wont. Just make sure you don't get caught. Some insurance companies are fine with it, such as Admiral. But other insurance companies will take your money from you, knowing full well what your doing, but then will refuse to pay out if you have an accident.
Just have your story sorted before you report an accident
Just have your story sorted before you report an accident
What ridiculous advice.
As has been mentioned, it's illegal and pretty obvious what you're doing anyway - insurance companies are not stupid!
Also the no claims bonus thing with direct line only applies to named drivers who renew with direct line - so it's not really building up a decent no claims bonus as you have no choice but to renew with them if you want to use it
Reply 14
sadie-kiki
What? I have done this for absolutely ages, with no problems - my father is the policyholder and me as the named driver on my car.
How on earth would the insurance people know who actually drives the car more?!
How on earth would the insurance people know who actually drives the car more?!
Its not only who drives it more, its who owns the car too. If you are the owner and registered keeper(ie pay for the upkeep aswell) then you are responsible to insure it.
Its not so much that they know- there are certain questions that they will ask you when buying insurance ie who is the owner and registered keeper, where is the car kept overnight, how many cars are kept at the property, what is the policy holders occupation, what is the car used for, mileage etc. if its a new car (other cars already at the home) and a new-ish driver on the policy.
The answers to these questions can give them clues as to whether the policy is being 'fronted'. They automaticly put a bit more onto the premium just incase (cause they could end up paying out more in an accident).
Then in the event of a claim all they need to do is wait for you to trip up with your story, or request to see a copy of the cars registration docs. If you are the owner they will see this here. Void your policy, dont pay out in a claim, affect your chances of getting insurance.
Reply 15
Just to add, my boyfriends brother does this and nothing has happened :\
cmk88
Its not only who drives it more, its who owns the car too. If you are the owner and registered keeper(ie pay for the upkeep aswell) then you are responsible to insure it.
Its not so much that they know- there are certain questions that they will ask you when buying insurance ie who is the owner and registered keeper, where is the car kept overnight, how many cars are kept at the property, what is the policy holders occupation, what is the car used for, mileage etc. if its a new car (other cars already at the home) and a new-ish driver on the policy.
The answers to these questions can give them clues as to whether the policy is being 'fronted'. They automaticly put a bit more onto the premium just incase (cause they could end up paying out more in an accident).
Then in the event of a claim all they need to do is wait for you to trip up with your story, or request to see a copy of the cars registration docs. If you are the owner they will see this here. Void your policy, dont pay out in a claim, affect your chances of getting insurance.
Its not so much that they know- there are certain questions that they will ask you when buying insurance ie who is the owner and registered keeper, where is the car kept overnight, how many cars are kept at the property, what is the policy holders occupation, what is the car used for, mileage etc. if its a new car (other cars already at the home) and a new-ish driver on the policy.
The answers to these questions can give them clues as to whether the policy is being 'fronted'. They automaticly put a bit more onto the premium just incase (cause they could end up paying out more in an accident).
Then in the event of a claim all they need to do is wait for you to trip up with your story, or request to see a copy of the cars registration docs. If you are the owner they will see this here. Void your policy, dont pay out in a claim, affect your chances of getting insurance.
I have no idea who 'owns' the car legally, but as far as my family is concerned it's 'mine' - I'm the only person who uses it, but I don't pay for any of it - parents pay insurance, tax, petrol etc.Does this mean I'm not breaking the law, or should I still have my own policy?
Reply 18
They dont actually do anything until it comes to making a claim or them finding out it is fronted. They just need to accept what you are saying to them, and take your money. If you are being dishonest then you are only hurting yourself.
They find out, keep the premium you have paid, cancel the policy and you get nothing.
They find out, keep the premium you have paid, cancel the policy and you get nothing.
Reply 19
sadie-kiki
I have no idea who 'owns' the car legally, but as far as my family is concerned it's 'mine' - I'm the only person who uses it, but I don't pay for any of it - parents pay insurance, tax, petrol etc.Does this mean I'm not breaking the law, or should I still have my own policy?
If you are the only person who uses it the insurance should be in your name. The car should technically be registered with the DVLA as your car too. Your insurer needs to know that you are the main (sole) user of the car. They may still allow your parent to be the policy holder (this depends on the company) but if they feel that they have been misled and can explain their reasons for this they will not pay out in a claim
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