learner insurance q

Coriolanus

Couldn't find an insurance forum, sorry if this is the wrong place.

Basically, can a learner be insured in their own right rather than as named on anothers insurance, on a vehicle that isn't registered in the learners name?

challengemaster

Not as far as I know...

You need to have insurable interest in something to insure it, so AFAIK you can only insure things you own...

You definately can't have two policies on the same car, so if someone is already insured to drive it with their own policy, you can't get another one for the same car.

Coriolanus

Gotcha. And a learner can't name another learner on their insurance right?
Trying to sort it for two of the family. Car is registered to one so that's fine but we've no "spare" full license holders to take ownership and put them both as named.
Ahwell. Tis the bus until he can buy his own motor! :pac:

challengemaster

Nevore wrote: »

Gotcha. And a learner can't name another learner on their insurance right?

Don't know about that, actually... I've never heard of it anyway, and I don't see why there'd be an issue with it.... might bump up the premium cost alright, but I've never heard that it can't be done.

The only thing is, Named drivers aren't meant to be the main drivers of the car, if you get me. The "trick" a lot of people did and are still doing, but not so much now, is getting mammy or daddy to get the policy, add the kid as a named driver, but the kid is the one who actually is the main driver of the car from day to day... which is essentially insurance fraud, and in the case of an accident....could be a lot of trouble..

jumbone

Nevore wrote: »

Gotcha. And a learner can't name another learner on their insurance right?
Trying to sort it for two of the family. Car is registered to one so that's fine but we've no "spare" full license holders to take ownership and put them both as named.
Ahwell. Tis the bus until he can buy his own motor! :pac:

A person can hold more than one policy though and have more than one named driver on it. It's perfectly reasonable for a parent to get a separate car to teach their kids to drive in. I suggest the oldest most female member of your family can be the policy holder though cos most companies only allow you to use your ncb on one car at a time.

Also I never heard that leathers can't have named drivers in their policy so i'd look into that with a few companies.

Post over on the main motors forum and you'll be more likely to get a concrete answer as the folks there would have gone through all this before.

I suggest you open the yellow pages an insurance companies and get the young fella to do all the legwork. Online quotes aren't worth shi t either btw.

challengemaster

jumbone wrote: »

A person can hold more than one policy though and have more than one named driver on it. It's perfectly reasonable for a parent to get a separate car to teach their kids to drive in. I suggest the oldest most female member of your family can be the policy holder though cos most companies only allow you to use your ncb on one car at a time.

If you're suggesting they get a separate car, take out a policy, add them as a named driver despite the learner being the main user of the car - you're talking about insurance fraud. And in the event of an accident, the fact it's a second policy goes towards proving the person who has the policy, is not the main driver. The insurance company won't pay up for a claim, or if they do, you can expect them to take a court case against you to get the money back.

Coriolanus

Right, didn't realise that it was fraud.

Doesn't seem to make sense that named drivers automatically get hassle over claims though. What if they're genuinely only using it once a week versus 5 a week for the policy holder. Accidents do happen, maybe proportionally more to people who don't drive a lot.

challengemaster

Nevore wrote: »

Right, didn't realise that it was fraud.

Doesn't seem to make sense that named drivers automatically get hassle over claims though. What if they're genuinely only using it once a week versus 5 a week for the policy holder. Accidents do happen, maybe proportionally more to people who don't drive a lot.

If they're geniunely a named driver, not the main user of the car, then that's fine. It's when they're using the car full time under a named driver policy there's issues

Alanstrainor

Nevore wrote: »

Gotcha. And a learner can't name another learner on their insurance right?

There's no issues with doing that. I would guess it would be very expensive though.

Coriolanus

challengemaster wrote: »

If they're geniunely a named driver, not the main user of the car, then that's fine. It's when they're using the car full time under a named driver policy there's issues

How would that be determined from one accident? I could understand if there was a paper trail of traffic offenses on the named driver.

Alanstrainor

Nevore wrote: »

How would that be determined from one accident? I could understand if there was a paper trail of traffic offenses on the named driver.

It's almost impossible to determine in reality.

Coriolanus

Ah, fair enough.

Cheers all, for clearing things up.