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named driver-how does it work??

245

Comments

  • #32
    Furious_George
    Closed Accounts Posts: 215 ✭✭Furious_George


    areyawell wrote: »

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

    Not havn a go or anthing because i dont care what you do but you said you are drivng for a year already and from your posts it seems pretty regularly too. You surely are confident enough now to sit and pass your test. Few lessons to iron out any bad habits and you'll fly it.

    Its better than taking the risk and coming from someone who passed his only 3 months ago its a great weight off your mind.


  • #33
    fullstop
    Registered Users, Registered Users 2, Paid Member Posts: 11,987 ✭✭✭✭fullstop


    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.
    Incorrect.


  • #34
    mathepac
    Banned (with Prison Access) Posts: 4,990 ✭✭✭mathepac


    areyawell wrote: »
    You put your own car in the parents name. Their the registered owners.
    The post I referred to made no mention of that, so you are making assumptions on behalf of the poster. I specifically wrote that if "the circumstances are as described by the poster", your post assumes that the circumstances are not as described by the poster.


  • #35
    mar1us
    Registered Users, Registered Users 2 Posts: 139 ✭✭mar1us


    Totaly agree with Furious_Geroge !


  • #36
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


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

    No you can get your own car, register the car in your parents name and get your parents to insure the car and put yourself as a named driver.

    But make sure your parents are the main drivers of the car, make sure you keep the ratio of 51% your parents driving it and yourself 49%. Might want to get a log book or something and a stopwatch so you don't go over the 50%. This is called fronting and is illegal:). If you are pulled over by the gaurds they will ask you for this log book so make sure to have it handy;)


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  • #37
    awec
    Administrators Posts: 55,321 Admin ✭✭✭✭✭awec


    This post has been deleted.


  • #38
    guil
    Registered Users, Registered Users 2, Paid Member Posts: 10,666 ✭✭✭✭guil


    Named driving experience definitely isn't worth the same as the equivalent NCB. Also if a parent takes out a policy on a second car they can't use the NCB a second time and if little Mary or johnny has an accident then their NCB on the original policy is lost


  • #39
    awec
    Administrators Posts: 55,321 Admin ✭✭✭✭✭awec


    This post has been deleted.


  • #40
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    guil wrote: »
    Named driving experience definitely isn't worth the same as the equivalent NCB. Also if a parent takes out a policy on a second car they can't use the NCB a second time and if little Mary or johnny has an accident then their NCB on the original policy is lost

    Wrong

    A lot of threads here showed here that named driving experience and having there own insurance gives the same no claims bonus. Who I am insured with do it as well. Don't know if I'm allowed to name the company here, look through old threads

    You will not lose your no claims discount if you have two insurance policies with two different companies or even the same company. You build up the no claims bonus on the second insurance, it starts with zero no claims bonus. If the named driver crashes it will not affect the other insurance, only the second insurance.


  • #41
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    awec wrote: »
    It has nothing to do with the guards pulling you over ffs.

    Do you even understand what you are talking about?

    Yes I was taking the mickey, but ye are going on about fronting? How can anyone prove this?

    Would it not sound dodgy to an insurance company when a parent is say driving a 2008 5 series and then want a second insurance on a old Micra or Fiesta or something with their son/daughter as a named driver. Happens all the time!!!


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  • #42
    djimi
    Registered Users, Registered Users 2 Posts: 13,234 ✭✭✭✭djimi


    areyawell wrote: »
    You will not lose your no claims discount if you have two insurance policies with two different companies or even the same company. You build up the no claims bonus on the second insurance, it starts with zero no claims bonus. If the named driver crashes it will not affect the other insurance, only the second insurance.

    You might well do, depending on how the policy is set up. A lot of insurers offer NCB mirroring, which means that when you take out a second policy on another vehicle you can mirror your NCB from your original policy. The consequence of this however is that if you claim on either policy you may lose the NCB for both policies.

    Considering how expensive it would most likely be to take out a second policy with no NCB and an inexperienced learner as a named driver, I would have thought most people would take up the option of NCB mirroring if it was available to them.


  • #43
    guil
    Registered Users, Registered Users 2, Paid Member Posts: 10,666 ✭✭✭✭guil


    areyawell wrote: »

    Wrong

    A lot of threads here showed here that named driving experience and having there own insurance gives the same no claims bonus. Who I am insured with do it as well. Don't know if I'm allowed to name the company here, look through old threads

    You will not lose your no claims discount if you have two insurance policies with two different companies or even the same company. You build up the no claims bonus on the second insurance, it starts with zero no claims bonus. If the named driver crashes it will not affect the other insurance, only the second insurance.
    Just tried a quote with 123. Policy in my own name is coming in at 444 and when I put down as named driver it jumped to 722 so clearly there is a difference. I know that's just one company but its nearly double the price as a named driver.

    You might want to check your policy documents because I'm nearly sure any claim made against you regardless if what policy it was on I still a claim and you can be sure the insurance company will love to take your NCB


  • #44
    Chris_Heilong
    Registered Users, Registered Users 2 Posts: 4,972 ✭✭✭Chris_Heilong


    Its what I done at the time(dont see it as fraud myself maybe exploiting a rule and my dad did end up driving more than me as I started commuting on the train) but If I could go back in time I would get my own policy, it would make life so much easier and cheaper when you want to buy and insure your dream car.


  • #45
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    guil wrote: »
    Just tried a quote with 123. Policy in my own name is coming in at 444 and when I put down as named driver it jumped to 722 so clearly there is a difference. I know that's just one company but its nearly double the price as a named driver.

    You might want to check your policy documents because I'm nearly sure any claim made against you regardless if what policy it was on I still a claim and you can be sure the insurance company will love to take your NCB

    Its not the same for every company, look at previous threads here about it. Ill find one shortly and post.You will need a full license and two years as a named driver for it too be the same. It is with the insurance company I use

    When you take out a second insurance you have 0 no claims bonus and have to build it up on the second policy and if you crash you only will lose it on the second policy.


  • #46
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    areyawell wrote: »

    Its not the same for every company, look at previous threads here about it. Ill find one shortly and post.You will need a full license and two years as a named driver for it too be the same. It is with the insurance company I use

    When you take out a second insurance you have 0 no claims bonus and have to build it up on the second policy and if you crash you only will lose it on the second policy.

    http://touch.boards.ie/thread/2056803412?page=1#post_81672561


  • #47
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    But make sure your parents are the main drivers of the car, make sure you keep the ratio of 51% your parents driving it and yourself 49%. Might want to get a log book or something and a stopwatch so you don't go over the 50%. This is called fronting and is illegal:). If you are pulled over by the gaurds they will ask you for this log book so make sure to have it handy;)

    I wouldn't be too worried about the Gardai, but if you were in a half decent smack where someone got injured, and your insurance company is staring down the barrel of a 6-figure sum, I wouldn't be at all surprised to see them looking for info and evidence that would suggest that you are the main driver instead of your parents.

    Once they've proven that, you're in breach of your contract, guilty of insurance fraud, and suddenly the claim is going a very different direction...


  • #48
    awec
    Administrators Posts: 55,321 Admin ✭✭✭✭✭awec


    This post has been deleted.


  • #49
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    AltAccount wrote: »

    I wouldn't be too worried about the Gardai, but if you were in a half decent smack where someone got injured, and your insurance company is staring down the barrel of a 6-figure sum, I wouldn't be at all surprised to see them looking for info and evidence that would suggest that you are the main driver instead of your parents.

    Once they've proven that, you're in breach of your contract, guilty of insurance fraud, and suddenly the claim is going a very different direction...

    Wouldn't happen, What defines a main driver of the car? Insurance company wouldnt have any proof. I was obviously taking the mick with the stopwatch and log book


  • #50
    ABajaninCork
    Closed Accounts Posts: 8,411 ✭✭✭ABajaninCork


    Of course they would! The main driver is named on the insurance docs...


  • #51
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    ABajaninCork wrote: »
    Of course they would! The main driver is named on the insurance docs...
    Yea well obviously, but how would they know who drives the car more? When I took out insurance I was discussing with the firm about my own insurance and under my parents. When they told me that their no claims bonus policy is the same for a named driver as it is for taking out your own policy I went under the parents insurance. They were glad for the money. Give me proof where it states the ratio of a named driver driving compared to the main driver! There is none!

    http://www.boards.ie/vbulletin/showthread.php?t=2056803412


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  • #52
    guil
    Registered Users, Registered Users 2, Paid Member Posts: 10,666 ✭✭✭✭guil


    areyawell wrote: »

    Its not the same for every company, look at previous threads here about it. Ill find one shortly and post.You will need a full license and two years as a named driver for it too be the same. It is with the insurance company I use

    When you take out a second insurance you have 0 no claims bonus and have to build it up on the second policy and if you crash you only will lose it on the second policy.
    2 years NCB is worth 15-20% compared to 50% with a full NCB. What company are you insure d with and I'll get a quote later. Infancy just for you ill get a few quotes using my details


  • #53
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,783 ✭✭✭slimjimmc


    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. Been driving a year now and never been caught
    :
    :
    Two penalty points won't affect the premium you pay for insurance (assuming no claims) but that doesn't mean driving alone when you must have a qualified driver won't affect your insurance. More and more insurance companies are now expressly stating in the policy document that a breach of your Learner Permit conditions will negate any cover.

    They can't avoid paying any 3rd party claim as required by law, but they'll sue your a55 to get every cent of that money back and they won't pay for any no-3rd-party claims such as comprehensive cover on your car, any personal injury claim you may make, your fire/ambulance fees or possibly your legal fees.

    e.g Axa policy (.pdf)
    13 Driving Licence Conditions.
    No cover will apply under this policy for any driver who is not meeting the conditions of his/her licence/Learner permit. This includes conditions relating to the class of vehicle being driven, the requirement to be accompanied when driving under a learner permit or any other restriction or condition that may apply.

    The OP should make certain sure he strictly abides by the terms of his Learner Permit regardless of him being covered under his own policy or as a named driver.


  • #54
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    slimjimmc wrote: »
    Two penalty points won't affect the premium you pay for insurance (assuming no claims) but that doesn't mean driving alone when you must have a qualified driver won't affect your insurance. More and more insurance companies are now expressly stating in the policy document that a breach of your Learner Permit conditions will negate any cover.

    They can't avoid paying any 3rd party claim as required by law, but they'll sue your a55 to get every cent of that money back and they won't pay for any no-3rd-party claims such as comprehensive cover on your car, any personal injury claim you may make, your fire/ambulance fees or possibly your legal fees.

    e.g Axa policy (.pdf)


    The OP should make certain sure he strictly abides by the terms of his Learner Permit regardless of him being covered under his own policy or as a named driver.

    I wonder if one were found to be driving unaccompanied and with such a clause in their policy, could they be prosecuted for driving without insurance in that case?


  • #55
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    guil wrote: »
    2 years NCB is worth 15-20% compared to 50% with a full NCB. What company are you insure d with and I'll get a quote later. Infancy just for you ill get a few quotes using my details
    http://touch.boards.ie/thread/2056803412?page=1#post_81672561
    theres a couple of companies in that thread.


  • #56
    hattoncracker
    Registered Users, Registered Users 2 Posts: 1,091 ✭✭✭hattoncracker


    I would say get a policy on your own name, OP.

    It's not worth the risk, and if your instructor Is with first Ireland insurance you can get a cert off them after 8 lessons and that gets you up to 20% off your premium in your ownname.


  • #57
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,783 ✭✭✭slimjimmc


    Stheno wrote: »
    I wonder if one were found to be driving unaccompanied and with such a clause in their policy, could they be prosecuted for driving without insurance in that case?
    Doubt it, you'd still have the minimum legal cover (3rd party) unless the insurance company cancelled the policy with the minimum advance notice in writing as required under law.


  • #58
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    hattoncracker wrote: »
    I would say get a policy on your own name, OP.

    It's not worth the risk, and if your instructor Is with first Ireland insurance you can get a cert off them after 8 lessons and that gets you up to 20% off your premium in your ownname.

    What risk? Why pay extra when named driver no claims bonus is the same as having your own insurance for some companies?


  • #59
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    AltAccount wrote: »
    I wouldn't be too worried about the Gardai, but if you were in a half decent smack where someone got injured, and your insurance company is staring down the barrel of a 6-figure sum, I wouldn't be at all surprised to see them looking for info and evidence that would suggest that you are the main driver instead of your parents.

    Once they've proven that, you're in breach of your contract, guilty of insurance fraud, and suddenly the claim is going a very different direction...
    Examples of information sought when settling a claim involving a named driver;
    Evidence of whose cheque/account was used to pay for the car
    Evidence of whose account is being used to pay for car tax
    Evidence of residence of named driver in relation to location of accident (in other words, an early morning smack near residence of named driver that may be many miles away from Daddy's house, as declared as being where the vehicle is usually kept)
    Bank account statements to see if monthly repayments are made for car loans.
    Basically, Daddy better have his ducks in a line

    There are many more but not fair to post them here to give an advantage to those that try and con the system as opposed to the majority that comply


  • #60
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    oldyouth wrote: »
    Examples of information sought when settling a claim involving a named driver;
    Evidence of whose cheque/account was used to pay for the car
    Evidence of whose account is being used to pay for car tax
    Evidence of residence of named driver in relation to location of accident (in other words, an early morning smack near residence of named driver that may be many miles away from Daddy's house, as declared as being where the vehicle is usually kept)
    Bank account statements to see if monthly repayments are made for car loans.
    Basically, Daddy better have his ducks in a line

    There are many more but not fair to post them here to give an advantage to those that try and con the system as opposed to the majority that comply
    Link? Dont believe that for a second! Looks like you did that up yourself
    My sister was under the parents insurance in her own Micra. Her car got robbed and burned out in Limerick. Insurance company never asked them questions and was 100 miles away from home attending college


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  • #61
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    slimjimmc wrote: »
    Doubt it, you'd still have the minimum legal cover (3rd party) unless the insurance company cancelled the policy with the minimum advance notice in writing as required under law.

    What legislation covers that insurance companies have to cover 3rd party where the insured has chosen to invalidate their policy?

    I'm genuinely curious, I remember when I was on a provisional checking the policy to see if it had that clause years ago.


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