Adding my car to parents insurance?

battries not included

Hi, I would like to add my car (97 polo) to my parents insurance as I only have provisional licence at present (applied to sit driving test) and was wondering if it would be cheaper to add to my parents insurance but not to sure what is involved in doing so? my parents have over 10 years no claims bonus.

I have got a few quotes for insurance on my own but seems quite high (over a grand!) I am 30 years old and on my 2nd provisional licence.

Any advice would be helpful

Cheers

kirving

You want to insure your parents on your car, and have yourself as a named driver in order to reduce insurance?

Aside from the fact that it is illegal(although there isn't really any way for the insurance company to find out who drives the care more often), it's worth just biting the bullet now and paying for your own policy. You'll get your own no claims bonus which is worth more than named driving experience, and your premiums will drop in the future.

You could add your parents to your policy as named drivers though, which may reduce your premium.

corktina

It sounds like both your parents have their own cars in which case if either took out a policy on your car, it is unlikely they would get NCB allowed in which case the premium would be much the same as doing one yourself. As suggested, add your Mother to your policy should have an effect on the premium, and also getting that test done will too....

battries not included

Ok thanks guys

*was not trying to do anything illegal by the way :rolleyes:

djimi

A grand isnt high for a learner, regardless of age. Bite the bullet now; youll start building up your own NCB and your premium should drop when you pass your test and start getting a no claims discount.

As has been said its worth trying to add a female family member to the policy as a named driver.

corktina

battries not included wrote: »

Ok thanks guys

*was not trying to do anything illegal by the way :rolleyes:

not sure there is anything actually illegal about doing that!

Alanstrainor

djimi wrote: »

A grand isnt high for a learner, regardless of age. Bite the bullet now; youll start building up your own NCB and your premium should drop when you pass your test and start getting a no claims discount.

As has been said its worth trying to add a female family member to the policy as a named driver.

+1, adding my mum to my policy knocks 300 quid off my premium!:eek:

hondasam

battries not included wrote: »

Hi, I would like to add my car (97 polo) to my parents insurance as I only have provisional licence at present (applied to sit driving test) and was wondering if it would be cheaper to add to my parents insurance but not to sure what is involved in doing so? my parents have over 10 years no claims bonus.

I have got a few quotes for insurance on my own but seems quite high (over a grand!) I am 30 years old and on my 2nd provisional licence.

Any advice would be helpful

Cheers

You would be better of having the policy in your own name and getting your no claims built up.
You would have to get your mother/father to insure the car and you as a named driver, insurance companies are now stating only the reg owner can insure the car ( not all companies I'm sure).
Technically a named driver is only supposed to drive the car occasionally not everyday.

Milk & Honey

corktina wrote: »

not sure there is anything actually illegal about doing that!

Not telling the insurance company exactly what is being done with the car is obtaining insurance by fraud. This is an offence under Section 64 of the road traffic Act 1961

Fraud in obtaining policy or guarantee.
64.—(1) A person shall not, for the purpose or in the course of obtaining the issue of an approved policy of insurance or an approved guarantee to himself or to another person, or for the purpose of securing his or another person's participation in the cover afforded by an approved policy of insurance or an approved guarantee, commit any fraud or make any representation or statement (whether in writing or verbally or by conduct) which is to his knowledge false or misleading in any material respect.

(2) A person who contravenes subsection (1) of this section shall be guilty of an offence and shall be liable on summary conviction to a fine not exceeding one hundred pounds or, at the discretion of the court, to imprisonment for any term not exceeding six mouths or to both such fine and such imprisonment.

(3) In a prosecution for an offence under subsection (1) of this section, a document—

( a ) which purports to be—
(i) a proposal forming the basis of the relevant contract of insurance or guarantee,
(ii) a document (other than a proposal) forming that basis, or
(iii) an application for participation in the cover afforded by the relevant contract of insurance or guarantee, and
( b ) which purports to be signed by the defendant,
may be tendered in evidence without proof and shall be presumed, until the contrary is shown by the defendant, to be such proposal or document as aforesaid and to have been signed by the defendant.