Advertisement
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Help Keep Boards Alive. Support us by going ad free today. See here: https://subscriptions.boards.ie/.
If we do not hit our goal we will be forced to close the site.

Current status: https://keepboardsalive.com/

Annual subs are best for most impact. If you are still undecided on going Ad Free - you can also donate using the Paypal Donate option. All contribution helps. Thank you.
https://www.boards.ie/group/1878-subscribers-forum

Private Group for paid up members of Boards.ie. Join the club.

named driver-how does it work??

  • 06-01-2013 09:11PM
    #1
    LK KID
    Registered Users, Registered Users 2 Posts: 145 ✭✭


    just wonderin how would i become a named driver under my mother r father?
    mother and father and both driver their own cars and im lookin to get my own car.can i become a named driver under one of them if they both have thir own cars?and can anyone explain it?
    im 18 with my provisional car licence about a year and a provisonal a bike licence and im on the road with an rs125 bike for a few months.


«1345

Comments

  • #2
    GoodisonPark
    Closed Accounts Posts: 372 ✭✭GoodisonPark


    As a named driver you can only drive the insured vehicle.
    If you are a learner permit holder then you will need to be accompanied by a Driving Licence holder at all times.


  • #3
    LK KID
    Registered Users, Registered Users 2 Posts: 145 ✭✭LK KID


    so id have to drive my dad or mothers car?


  • #4
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    LK KID wrote: »
    so id have to drive my dad or mothers car?

    Yes as a named driver on their policy you would have to drive the car insured on the policy


  • #5
    LK KID
    Registered Users, Registered Users 2 Posts: 145 ✭✭LK KID


    thanks lads.understood


  • #6
    Chris_Heilong
    Registered Users, Registered Users 2 Posts: 4,972 ✭✭✭Chris_Heilong


    or buy your car and if one of your parents insures it then put you down as a named driver on that


  • Advertisement
  • #7
    coylemj
    Registered Users, Registered Users 2 Posts: 25,891 ✭✭✭✭coylemj


    Chris_Heilong wrote: »
    or buy your car and if one of your parents insures it then put you down as a named driver on that

    Each of his parents already has a car, one of them can't take out insurance on a (for that parent) second car and claim that he's an 'occasional' driver.

    He will need to be a named driver on either of the parent's cars.


  • #8
    awec
    Administrators Posts: 55,321 Admin ✭✭✭✭✭awec


    This post has been deleted.


  • #9
    ABajaninCork
    Closed Accounts Posts: 8,411 ✭✭✭ABajaninCork


    Own policy. Build up your own NCB!


  • #10
    Chris_Heilong
    Registered Users, Registered Users 2 Posts: 4,972 ✭✭✭Chris_Heilong


    what I did was buy a car when I started out was get my dad to take out an insurance policy on a new car I had bought, I paid for the policy and my dad put me on as a named driver, This way I got to drive my own car, no fraud at all. It depends on if your parents have the flexibility to let you use their cars from time to time if so there is no issues.

    I would do as ABajaninCork said, being on your own policy will be the fastest way to get you cheap insurace when your old enough for what ever car you want.


  • #11
    awec
    Administrators Posts: 55,321 Admin ✭✭✭✭✭awec


    This post has been deleted.


  • Advertisement
  • #12
    Mr Benevolent
    Closed Accounts Posts: 12,433 ✭✭✭✭Mr Benevolent


    awec wrote: »
    Huh?

    Unless I'm missing something, that sounds exactly like fronting (i.e. fraud) ?

    You were a named driver on your dads policy despite you being the main driver of the car?

    Indeed, that's insurance fraud, his father didn't have insurable interest in the car. Actually it breaks the 'utmost good faith' principle as well.


  • #13
    LK KID
    Registered Users, Registered Users 2 Posts: 145 ✭✭LK KID


    Confab wrote: »
    Indeed, that's insurance fraud, his father didn't have insurable interest in the car. Actually it breaks the 'utmost good faith' principle as well.
    but is it hard for insurance companys to prove?


  • #14
    Captain Chaos
    Registered Users, Registered Users 2 Posts: 11,178 ✭✭✭✭Captain Chaos


    Then how are first time learner permit holders ment to get insurance on a car they go out and buy? I see no way around it other than fronting.


  • #15
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    Captain Chaos wrote: »
    Then how are first time learner permit holders ment to get insurance on a car they go out and buy? I see no way around it other than fronting.

    Why can't they just take out a policy?


  • #16
    ABajaninCork
    Closed Accounts Posts: 8,411 ✭✭✭ABajaninCork


    Captain Chaos wrote: »
    Then how are first time learner permit holders ment to get insurance on a car they go out and buy? I see no way around it other than fronting.

    See below.
    ABajaninCork wrote: »
    Own policy. Build up your own NCB!

    If this proves to be a problem, then maybe a rethink might be in order.


  • #17
    Captain Chaos
    Registered Users, Registered Users 2 Posts: 11,178 ✭✭✭✭Captain Chaos


    Stheno wrote: »
    Why can't they just take out a policy?

    Because they need an experienced driver with them at all times while driving so it defeats the purpose.


  • #18
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    Captain Chaos wrote: »
    Because they need an experienced driver with them at all times while driving so it defeats the purpose.

    That doesn't make any sense, they can take out their own policy and build up their NCB that way.

    The experienced driver mightn't be a parent etc.


  • #19
    ABajaninCork
    Closed Accounts Posts: 8,411 ✭✭✭ABajaninCork


    No. AFAIK, you can take out the policy in your own name as a provisional driver. After all, you'll be driving the car. But - the law says you must have an experienced driver with you when driving.

    And as we know. Lots of people think the law doesn't apply to them for whatever reason, so they just ignore it!


  • #20
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    GoodisonPark wrote: »
    As a named driver you can only drive the insured vehicle.
    If you are a learner permit holder then you will need to be accompanied by a Driving Licence holder at all times.

    Wrong, if you are caught driving on your own its two penalty points. Two penalty points is not a big deal and won't affect your insurance. People get the same for using mobile phones and speeding. Its a 70 euro fine. Been driving a year now and never been caught

    coylemj wrote: »
    Each of his parents already has a car, one of them can't take out insurance on a (for that parent) second car and claim that he's an 'occasional' driver.

    He will need to be a named driver on either of the parent's cars.

    Completely wrong. One of his parents can take out a second insurance and he can get insured on his own car as a named driver under his parents insurance. Everyone does and the insurance companies arn't stupid and know the named driver is the main driver. Who' to say who drives the car the most, it doesn't matter! Thousands of people are doing it and its not illegal.

    These days companies such as insurance take been a named driver for a year the same as having one year no claims discount.


  • #21
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    areyawell wrote: »
    Wrong, if you are caught driving on your own its two penalty points. Two penalty points is not a big deal and won't affect your insurance. People get the same for using mobile phones and speeding. Its a 70 euro fine.




    Completely wrong. The parents can take out a second insurance and he can get insured on his own car as a named driver under his parents insurance. Everyone does and the insurance companies arn't stupid. Who' to say who drives the car the most, it doesn't matter!

    The fine hasn't changed for driving unaccompanied, it's €1000

    You are incorrect on the insurance. The main driver should be the policy holder, otherwise as has been stated it's called fronting and is insurance fraud.


  • Advertisement
  • #22
    mar1us
    Registered Users, Registered Users 2 Posts: 139 ✭✭mar1us


    areyawell wrote: »
    Wrong, if you are caught driving on your own its two penalty points. Two penalty points is not a big deal and won't affect your insurance. People get the same for using mobile phones and speeding. Its a 70 euro fine.

    All u need as a L driver to get a "great" insurance is an exrta two penalty points :)


  • #23
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    Stheno wrote: »
    The fine hasn't changed for driving unaccompanied, it's €1000

    You are incorrect on the insurance. The main driver should be the policy holder, otherwise as has been stated it's called fronting and is insurance fraud.

    Would a guard pull you over and ask what percentage of time have you drived the car compared to your parents? No they would not or the insurance companies wouldn't either.
    I told the insurance rep I would be the main person driving the car and they didn't care cause I was looking for the cheapest quote in my name and comparing my own insurance and going under my own name on my own car. Told me as well that if your under your parents name you can use the no claims discount when you eventually take out your own policy.


  • #24
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    mar1us wrote: »
    All u need as a L driver to get a "great" insurance is an exrta two penalty points :)

    Havn't been caught and went through multiple check points and nothing was said to me.


  • #25
    mar1us
    Registered Users, Registered Users 2 Posts: 139 ✭✭mar1us


    areyawell wrote: »
    Havn't been caught and went through multiple check points and nothing was said to me.

    I don't argue with you but been lucky doesn't mean you are right,put it this way YOU NEVER KNOW !


  • #26
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    mar1us wrote: »
    I don't argue with you but been lucky doesn't mean you are right,put it this way YOU NEVER KNOW !

    You could meet a gaurd that would do you but the benefits outweigh the risk.


  • #27
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    What defines the main driver of a car? Is there a ratio? Would it be okay if the parent used it 51% of the time and the learner 49% of time or what way does that work?


  • #28
    mar1us
    Registered Users, Registered Users 2 Posts: 139 ✭✭mar1us


    We all know what mean first car insurance,i had a car 0.6 engine for my first insurance and that thing help me alot,that is my advice for first time drivers ;)


  • #29
    mathepac
    Banned (with Prison Access) Posts: 4,990 ✭✭✭mathepac


    Chris_Heilong wrote: »
    what I did was buy a car when I started out was get my dad to take out an insurance policy on a new car I had bought, I paid for the policy and my dad put me on as a named driver, This way I got to drive my own car, no fraud at all. It depends on if your parents have the flexibility to let you use their cars from time to time if so there is no issues.

    ...
    OP do not take this idiocy as advice. This isn't even "fronting" but outright lying if the circumstances are as described by the poster.

    One of the first questions on an insurance proposal form asks if the car is registered in the proposer's name. If the answer is "Yes" then the poster's Dad lied and the "utmost good faith" requirement is breached meaning there was no insurance on the car.

    There are other questions later about full-time use of other cars, other insurances, etc that tend to weed out the fibbers; I can't understand how this proposal form went through.


  • #30
    Capt'n Midnight
    Moderators, Recreation & Hobbies Moderators, Science, Health & Environment Moderators, Technology & Internet Moderators Posts: 95,892 Mod ✭✭✭✭Capt'n Midnight


    Don't some insurance companies make noises about counting named driver insurance ?



    What happens to a no claims bonus if a named driver cashes ?


  • Advertisement
  • #31
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    mathepac wrote: »
    OP do not take this idiocy as advice. This isn't even "fronting" but outright lying if the circumstances are as described by the poster.

    One of the first questions on an insurance proposal form asks if the car is registered in the proposer's name. If the answer is "Yes" then the poster's Dad lied and the "utmost good faith" requirement is breached meaning there was no insurance on the car.

    There are other questions later about full-time use of other cars, other insurances, etc that tend to weed out the fibbers; I can't understand how this proposal form went through.

    You put your own car in the parents name. Their the registered owners.


Advertisement