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If I go on my mam's insurance can I use my own separate car?

  • 01-03-2015 9:15pm
    #1
    TheStook
    Registered Users, Registered Users 2 Posts: 1,071 ✭✭✭


    Going on my mams insurance is my only option to drive atm but I wouldnt be able to use her car at all so am I able to buy my own and get insured on that through her?


Comments

  • #2
    challengemaster
    Registered Users, Registered Users 2 Posts: 16,930 ✭✭✭✭challengemaster


    In short, no. What you're describing is a form of insurance fraud called fronting. Insurers are aware that this happens and adjust the policy for the highest risk driver.

    Her insurance only covers her vehicle. She legally can't be the main policy holder on your vehicle, as she doesn't have insurable interest and the main driver is supposed to be the policy holder. If she were to take out a second policy for your vehicle, she would have 0NCB for that second policy. Should you have an accident, in the investigation it would be very obvious to an assessor that your mother is not the main driver of both vehicles she has a policy for. They could then sue you to recoup any costs paid out by them.


  • #3
    TheStook
    Registered Users, Registered Users 2 Posts: 1,071 ✭✭✭TheStook


    Gotcha thanks.

    So whats the point in being a named driver on my mams second car if Im not aloud to drive it? How can the insurance company possibly prove that I wasnt simply using it every now and then?

    I obviously dont want to break the law but how can I possibly start driving when Im being quoted upwards of €4,000?


  • #4
    Lu Tze
    Registered Users, Registered Users 2 Posts: 3,509 ✭✭✭Lu Tze


    TheStook wrote: »
    Gotcha thanks.

    So whats the point in being a named driver on my mams second car if Im not aloud to drive it? How can the insurance company possibly prove that I wasnt simply using it every now and then?

    I obviously dont want to break the law but how can I possibly start driving when Im being quoted upwards of €4,000?

    There isnt one. Being on her first car insurance enables you to gain driving experience legally while accompanied by a fully qualified driver.


  • #5
    ProudDUB
    Registered Users, Registered Users 2 Posts: 11,569 ✭✭✭✭ProudDUB


    TheStook wrote: »
    Gotcha thanks.

    So whats the point in being a named driver on my mams second car if Im not aloud to drive it? How can the insurance company possibly prove that I wasnt simply using it every now and then?

    I obviously dont want to break the law but how can I possibly start driving when Im being quoted upwards of €4,000?

    Unless you have very deep pockets, you can't, at least not in your own car.

    Most people learn how to drive by being added as a named driver on someone elses policy, in someone elses car. If you want to own your own car and insure it in your own name, you need to have very, very deep pockets, as the insurance will be very expensive. This is because a young person, with zero driving experience, driving their own car, is deemed to be a much higher risk, than a car owned by a very experienced driver, who has many years of of accident & claim free driving under her belt, who lets her child occasionally drive her car, under supervision.


  • #6
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    Forget this 4000 figure for insurance. Buy a cheap city car, Punto, Micra, Astra 1.4 etc etc and you should be able to get quotes of less than 2k. Make sure to get plenty of quotes before buying any car however.

    Unfortunately buying a 1.9tdi golf is what every lad in this country seems to strive for, and as a result these are seen as high risk cars.

    EDIT: This thread is worth a look:

    http://www.boards.ie/vbulletin/showthread.php?t=2057389703


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  • #7
    ardmacha
    Registered Users, Registered Users 2 Posts: 7,476 ✭✭✭ardmacha


    ProudDUB wrote: »
    Unless you have very deep pockets, you can't, at least not in your own car.

    Most people learn how to drive by being added as a named driver on someone elses policy, in someone elses car. If you want to own your own car and insure it in your own name, you need to have very, very deep pockets, as the insurance will be very expensive. This is because a young person, with zero driving experience, driving their own car, is deemed to be a much higher risk, than a car owned by a very experienced driver, who has many years of of accident & claim free driving under her belt, who lets her child occasionally drive her car, under supervision.

    The obvious thing is to add yourself to the policy of the person who is going to accompany you while learning. If this isn't your mother, then who?


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