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Main driver question

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  • 28-05-2021 12:26pm
    #1
    Hugo_Whoriskey
    Registered Users Posts: 463 ✭✭


    Living at home currently and don't have my own car right now. I'm the main driver of my parents car (only two of us drive it) so should I be down as main driver for the insurance?
    Can I be main driver without being registered owner?
    Thanks


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    #2
    diceyreilly
    Registered Users Posts: 1,155 ✭✭✭diceyreilly


    Hugo_Whoriskey wrote: »
    Living at home currently and don't have my own car right now. I'm the main driver of my parents car (only two of us drive it) so should I be down as main driver for the insurance?
    Can I be main driver without being registered owner?
    Thanks

    No.
    A principal of insurance is you can’t insure something you don’t own.
    You can be down as the driver who drives it most but not the policy owner.


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    #3
    coylemj
    Registered Users Posts: 25,387 ✭✭✭✭coylemj


    diceyreilly wrote: »
    A principal of insurance is you can’t insure something you don’t own.

    You don't have to own it, you just need to have an insurable interest in it. A wife is considered to have an insurable interest in her husband's car.

    If you inherit a house but probate is not yet complete, you have an insurable inerest in it, even though you don t yet own it. When I signed the contract to buy my house, even though the closing was a few months away, my solicitor told me I now had an insurable interest in it and should insure it.
    diceyreilly wrote: »
    You can be down as the driver who drives it most but not the policy owner.

    The policyholder is expected to be the main driver.


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    #4
    coylemj
    Registered Users Posts: 25,387 ✭✭✭✭coylemj


    Hugo_Whoriskey wrote: »
    I'm the main driver of my parents car (only two of us drive it) so should I be down as main driver for the insurance?
    Can I be main driver without being registered owner?
    Thanks

    If you want to be 100% legit, you should get the car registered in your name and take out a policy in your name. Then get the parent who drives down as a named driver.

    But there's probably tens of thousands of children out there who are (effectively but not in name) the main drivers of a car owned and insured by one of their parents and they're covered as named drivers.


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