Despite how it might sound, adding a named driver (a second driver) to your car insurance policy won’t automatically mean you’ll be paying more for your insurance – it’s not like paying for “double the cover”- but it could land you with a lower premium.
Similarly Can I insure a car that is already insured by someone else? Can I insure a car that’s already insured by someone else? Yes, you can insure yourself on a car that’s already insured by another driver, but you might not want to. If you and someone else are both insuring a car separately, you might be paying more than is necessary.
Is fronting illegal? Is car insurance fronting illegal? Yes. Make no mistake about it. Car insurance fronting is illegal and is a type of insurance fraud.
Additionally, Does the main driver have to be the registered keeper?
The main driver has to drive the car more often than the named driver. If they don’t, it counts as a type of fraud called « fronting ». But the main driver doesn’t necessarily have to be the owner or the registered keeper.
Can someone else be the main driver on my car?
Car insurance fronting – where someone declares themselves as the main driver of a car even though it will be someone else – is illegal.
Can I be the main driver on a car I don’t own? The main driver has to drive the car more often than the named driver. If they don’t, it counts as a type of fraud called « fronting ». But the main driver doesn’t necessarily have to be the owner or the registered keeper.
Can the main driver be different to the registered keeper? Re: Registered Keeper not the main driver
Seems there’s no legal position one way or the other, it’s up to each insurer to say in their T&Cs… Most insurance companies insist that the person who they insure is the primary user of the vehicle and can specify that the person is the registered keeper.
Is it illegal to have 2 car insurance policies? Is it illegal to have two policies on one car? No, doubling up on your car insurance isn’t illegal. But if you make a claim from two insurance providers, you can’t claim for the full amount from each of them. Doing so is considered fraud, which is illegal and can land you with a criminal record.
What is the penalty for fronting?
According to the Act, individuals that had actual knowledge or who were in a position where they ought to have had actual knowledge of a fronting practice can face criminal sanctions, which include a fine and/or up to 10 years’ imprisonment. Companies can face an administrative penalty of up to 10% of annual turnover.
Is it illegal to be a named driver on your own car? In an attempt to reduce premiums, some people falsely claim that a more experienced driver is the main driver of the vehicle they own, and add themselves as a named driver. But this scheme, known as ‘fronting’, is a type of fraud and illegal.
Can I own a car but not be the registered keeper?
The owner of a vehicle is the person or company that bought the vehicle or somebody who was given the vehicle as a gift. The owner is not necessarily and does not have to be the registered keeper or be the day to day user/driver of the car.
Can I insure a car if I am not the registered keeper? Can I insure a car I don’t own? Yes, you can take out a separate car insurance policy on someone else’s car. Just tell the insurer you’re not the owner or the registered keeper of the vehicle when you apply.
Can a named driver be the main driver?
As a named driver you will be given the same level of cover as the vehicle’s main driver. Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle. Named drivers should be careful to avoid ‘fronting’, a form of insurance fraud.
Can the named driver be the main driver?
When driving that vehicle, the named driver will have the same level of cover as the main driver. They may also be referred to as an additional driver. When you compare car insurance with MoneySuperMarket you’ll be allowed to include up to three additional drivers on your policy.
Can I be a named driver on a car I own? One of the most common questions we get asked is “what is a named driver?”. If you own a car and have your own insurance but there is another driver who sometimes uses your vehicle, you can usually add that person to your car insurance policy as a named driver.
What does primary driver mean? The primary driver by definition is the main driver of the vehicle being insured. When it comes to a primary driver vs. occasional driver, the primary driver on insurance will be listed first on the auto insurance policy while occasional drivers are listed secondary.
Does the main driver have to be the policy holder?
The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount. They do not need to be the principle policyholder but they must live at the same address as them.
Can I insure a car if I’m not the registered keeper? Can I insure a car I don’t own? Yes, you can take out a separate car insurance policy on someone else’s car. Just tell the insurer you’re not the owner or the registered keeper of the vehicle when you apply.
Is my insurance void if Im not the registered keeper?
Yes, it is possible to insure a car that you don’t own but you’ll need to inform the insurer that you are neither the registered keeper of the vehicle, nor the owner. Not all insurers will offer cover as the main driver if you are not the registered keeper of the car, but some will.
Can I be the registered keeper of a car but not own it? The registered keeper should be the person who is actually using / keeping the vehicle and this is not necessarily the owner of the vehicle or the person who is paying for it.
