stubbsy05
Member
Registered: 23rd Oct 02
User status: Offline
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Heard a few peeps saying, that going under your mums name for insurance and yourself being the named driver, when in actual fact your the main is actually void. You are not insured!? Am i correct?
I have been doing this for my past two cars, and my mum has never driven either!
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antonOO2
Member
Registered: 17th Sep 02
Location: Midlands
User status: Offline
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how does anyone know your mum has neva driven it
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GT4Brody
Member
Registered: 26th Sep 01
Location: south
User status: Offline
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I wouldnt have thought it mattered really i mean how can they prove that you have been driving the car constantly???
It only really matters when you have an accident!! obvioulsy you well be driving then!
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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yes it is correct but if u have an accident they would have difficulty proveing that was the 583493689 time u had used it that week. u are actually suposed to declare that u are the main driver on the policy. just be careful thats all. for example u might not be covered for to and from work so if u do have a prang just think twice before givin a statement
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Many people do it. It's like with declaring modifications, some people don't bother.
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Adam
Member
Registered: 1st May 01
Location: Hurstbourne Tarrant
User status: Offline
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if it gets broken into at work or hit and they ask people there and they say you have it there everyday you could be charged with providing false information to get insurance
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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It's classed as fronting and insurance companies aren't stupid.
If the car is a bog standard 1.2 Corsa with no modifications then you'll probably get away with it.
If the car has even a hit of "rice boy" they'll do their utmost to get out of paying.
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pringle
Member
Registered: 4th Mar 03
Location: planet oz(somewhere with women)
User status: Offline
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well am going through ma dads insurance cause the moter is too much for me! 
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bobothebear
Member
Registered: 13th Jan 03
Location: bedfordshire
User status: Offline
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If you mod the car quite alot whilst under your mums insurance and happen to have a prang. When the insurance bloke comes to have a look at it,It won't take a genius to work out your mum probably never drove the thing. Making you more prone to making your policy invalid.
Most 40 year old mums generally aren't into modding i've found!!!!
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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If the "moter" is too much for you, then you should be driving something less exotic.
Or you should get a job.
Or a better job.
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pringle
Member
Registered: 4th Mar 03
Location: planet oz(somewhere with women)
User status: Offline
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i but am still at school and a dont like slow cars
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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Then you have to be responsible and take charge of your actions.
You might as well drive without insurance.
I wouldn't shed a tear if you damaged your car and was unable to claim.
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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plus in the future , say when you are in your 20's, your not going to be insured under your mums name then, and because you don't have any no-claims you'll have to have a slow car!
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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OH, and if your mum has insurance out on another car (her main car) then thats a way insurance can prove she isnt the main diver!
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Dan_Corsa
Member
Registered: 27th Nov 00
Location: preston,Lancashire
User status: Offline
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what so ur sayin cos my mums 40 she's to old 2 have or buy a modified car 
my mum owns the corsa in the pic next 2 my name it's now insured as a 2.0 16v with me as a named driver cos i don't own it
[Edited on 28-03-2003 by Dan_Corsa]
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stubbsy05
Member
Registered: 23rd Oct 02
User status: Offline
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How sweet is this.
My mate did insured his car in his mums name. Anyways, he brought a N reg Corsa Sport for £3100 with 15" alloys. He added a headunit and lexus rear lights and a dtm exhaust. Someone crashed into him. Insurance company wrote off the car and paid out £3600 for the car how is was.
My mate brought another Sport but a P reg. He quickly swapped over the wheels, exhaust, rear lights and head unit before the insurance company took the car away insurance didn't notice and so he has effectively came out better!
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Dan_Corsa
Member
Registered: 27th Nov 00
Location: preston,Lancashire
User status: Offline
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exactly my mum has 2 cars the corsa and a massive jeep,she never drives the corsa so i drive it all the time,but the insurance would never know i drive it all the time
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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but if she has two policies in her name, and she is the main driver on both, they know that you'll be using the other one!
Insurance companies arent going to pay out when they think they can get away with it, they will find out someway! Also, tke a look on your cover not and documents, will mention all about it on there!
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Dan_Corsa
Member
Registered: 27th Nov 00
Location: preston,Lancashire
User status: Offline
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yep we told liverpool victoria and i am insured on both vehicles as named driver and my mum as main they will never find out,i'm drivin it all the time unless they spy on me they've gotta prove that i am
[Edited on 28-03-2003 by Dan_Corsa]
[Edited on 28-03-2003 by Dan_Corsa]
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pringle
Member
Registered: 4th Mar 03
Location: planet oz(somewhere with women)
User status: Offline
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well its only till a get a job
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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i got insured no probs under me mams name with everything declared
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pringle
Member
Registered: 4th Mar 03
Location: planet oz(somewhere with women)
User status: Offline
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i just a want to insure ma motor cause a need the no claims for ma next car
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Dan_Corsa
Member
Registered: 27th Nov 00
Location: preston,Lancashire
User status: Offline
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same here danielj i pay 456.30 fully comp with every thing declared on a 2.0 16v corsa
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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bleedin hell  mine is 580
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pringle
Member
Registered: 4th Mar 03
Location: planet oz(somewhere with women)
User status: Offline
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bleeding hell am having to pay about 600 for mine!!!
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