No more named drivers?

The Young Wan

My Dad has just told me that from March 2017 on, it will no longer be able to insure a named driver on cars (say, insure me on my Mam's car) and that I will have to take my own policy out.

Can anyone confirm if this is a true thing?

Zenify

The Young Wan wrote: »

My Dad has just told me that from March 2017 on, it will no longer be able to insure a named driver on cars (say, insure me on my Mam's car) and that I will have to take my own policy out.

Can anyone confirm if this is a true thing?

Sounds like your Dad wants you to take all the responsibility of your driving.

The Young Wan

Zenify wrote: »

Sounds like your Dad wants you to take all the responsibility of your driving.

That's what I thought too, but I pay my insurance. I don't have a year round claim as I'm not living at home, and I pay insurance when I come home to use the car.

K.Flyer

But if you don't have a car of your own and only use your mothers car, then you cannot have an insurance policy of your own on that car while cover already exists for it.
In other words, you cannot have two insurance policies on the same vehicle.

The Young Wan

K.Flyer wrote: »

But if you don't have a car of your own and only use your mothers car, then you cannot have an insurance policy of your own on that car while cover already exists for it.
In other words, you cannot have two insurance policies on the same vehicle.

No, I go on as a named driver when I come home.

What I'm wondering is whether the named driver scheme is going to stop in March 2017, as my Dad has told me.

K.Flyer

The Young Wan wrote: »

No, I go on as a named driver when I come home.

What I'm wondering is whether the named driver scheme is going to stop in March 2017, as my Dad has told me.

After a quick search I don't see anything anywhere about it stopping. Any links to anything about it?

Skatedude

You are allowed to be the named driver on a policy, but only if you are not the main driver of the car

It is illegal now and was to stop junior driving a car on the parents policy when it is really juniors car. But since you said you were coming home, it should be easy to prove you are not the main driver since you were not always in Ireland.

And it's possible that adding you increases the cost too much and Dad dosent want the price increase.

The Young Wan

Skatedude wrote: »

You are allowed to be the named driver on a policy, but only if you are not the main driver of the car

It is illegal now and was to stop junior driving a car on the parents policy when it is really juniors car. But since you said you were coming home, it should be easy to prove you are not the main driver since you were not always in Ireland.

And it's possible that adding you increases the cost too much and Dad dosent want the price increase.

Is this set to change any time soon?

By coming home, I mean coming from Dublin to Waterford.

Lia_lia

Not a hope are they stopping named drivers being allowed on policies. What happens if a couple have one car between them.

Maybe the insurance company your Father is with are stopping learners being allowed on policies. I can't see this happening either though. Perhaps he's just telling fibs!

The Young Wan

Lia_lia wrote: »

Not a hope are they stopping named drivers being allowed on policies. What happens if a couple have one car between them.

Maybe the insurance company your Father is with are stopping learners being allowed on policies. I can't see this happening either though. Perhaps he's just telling fibs!

My Dad says he heard it from his SIL and it is gospel. I mentioned to say it to his brother, who is visiting the family now, and my Dad said "don't he won't know anything about it."

The bullshyt ometer is beeping.

beechwood55

Don't you think if it was true - which it is not- that there would have been a lot of coverage about it in newspapers, on the news etc?

The Young Wan

beechwood55 wrote: »

Don't you think if it was true - which it is not- that there would have been a lot of coverage about it in newspapers, on the news etc?

That's what I said to him, but he swears blind that this is happening "and Margaret said it so you're calling her a fool as well as me"

Aint Eazy Being Cheezy

I'd just take it as a little hint that come March next year he doesn't want you driving the family car anymore, and to sort out passing your test and getting your own wheels and insurance policy before then.

allthedoyles

This was in the newspapers in September , so a change may be on the cards :

Young drivers who have taken out car insurance under their parents name have been warned they might not be covered. Many young drivers are insured under their parents name but they have been told it is fraud and is pushing premiums up.
This is known as fronting and Aviva have sent a warning to their customers that it is illegal and they might not be covered

http://www.irishmirror.ie/news/irish-news/young-drivers-insured-under-parents-8915130

colm_mcm

That Aviva statement doesn't really change anything though.
Lots of people are legitimately named on policies. I'm on my wife's policy for example.

The Young Wan

allthedoyles wrote: »

This was in the newspapers in September , so a change may be on the cards :



http://www.irishmirror.ie/news/irish-news/young-drivers-insured-under-parents-8915130

Yeah I've heard of that. I'm not saying if I go into my insurer and say "I am Mary Murphy* and I want to be insured" I'm saying if I go in and say "I'm Mary Murphy's daughter I want to be insured as a named driver on Mary's policy"

*names changed to protect me ma. She's dead on.

The Young Wan

Aint Eazy Being Cheezy wrote: »

I'd just take it as a little hint that come March next year he doesn't want you driving the family car anymore, and to sort out passing your test and getting your own wheels and insurance policy before then.

It's not his car I'm driving so he may think what he wishes, it would be a discussion for myself and my mother.

Raging_Ninja

I think he is gently trying to tell you to get the full licence and a car of your own.

pillphil

The Young Wan wrote: »

Yeah I've heard of that. I'm not saying if I go into my insurer and say "I am Mary Murphy* and I want to be insured" I'm saying if I go in and say "I'm Mary Murphy's daughter I want to be insured as a named driver on Mary's policy"

*names changed to protect me ma. She's dead on.

The article isn't about them pretending to be their parents. It when someone buys a car, gets it insured in one of their parents names as the main driver and put themselves on the policy as a named driver.

The main driver should be the person that owns the car and uses it most, named drivers are only supposed to use it occasionally (I don't know what the exact definition of occasional is in this context)

So it looks like it doesn't apply to you but it may have been heard and misunderstood by your aunt.

beechwood55

My young adult son is a named driver on my (Aviva) policy. They have asked me to verify that I am the main driver of the car. Which I did. And heard nothing more from them.

The Young Wan

Raging_Ninja wrote: »

I think he is gently trying to tell you to get the full licence and a car of your own.

He has often told me not to, any time I bring it up (even today when he raised the issue) he just said "yeah, and can you afford to tax/insure/fuel it? I don't think so."

A very odd conflicting moment.