adding named people

[gazza]

i have found out that adding my mam as a named driver on my policy reduces the premium.does anyone know if this will in any way effect her own policy?i know it sounds daft but is this legal even though she might neva even drive my car?

cheers:y:

[Siders77]

Yeh I'm pretty sure it will be fine and won't affect her policy.

It's only illegal if you drive the car all the time but your mum is named as the main driver, Ie Fronting.

EDIT: hmmm illegal, i dunno actually, but I know that insurance companies don't like it and probably won't pay out if you have an accident

[pjsaunders06]

i have done this mate it is fine to do :y: as long as you are the main driver

[gazza]

yer im the policy holder and main driver.so evryone think this would be ok?
just seems dodgy because it reduces it

[pjsaunders06]

moneysupermarket suggest it mate so it is fine :y: can reduce up to 15% by adding a older driver

[b0t13]

its perfectly fine!

[Dez]

yep i had it on my old corsa and was fine no problemo's at all

[Tim-ChrisKnott]

Yes no problem whatsoever with insurance companies! And your mum may one day drive it so just in case...

Kind regards
Tim
Chris Knott Insurance - official Saxperience insurance scheme
0800 917 2274

[Speller_18]

yeh i got my mum n dad as named drivers on my policy, it will not affect their other policies at all (unless they crash ur car!)

[VTR_Craig]

I did it for my second year driving but in the third year it was more expensive to add them

[bexster82]

it lowered my premium by adding my other half as 2nd driver and its fine like others on here have said x

[jacko7]

Yep as has been confirmed there is nothing wrong with it so long as you are not fronting the policy. E.g Mum or Dad as policyholder and main user whilst you are just a named driver whilst driving it all the time to get cheaper premiums. Insurance companies really frown on it and will probably not pay out on any claim you make or settle it on a proportional basis. Also as has been mentioned, it is usually cheaper to add more named drivers onto the policy. Most insurance companies underwriting criteria and claims statistics will suggest that those with insured only policies (just one driver) are significantly more likley to make a claim.

[Kelly]

Let your mum drive your car at least once a week then you're not really doing anything wrong ;)

Better to be safe than sorry