Given you're saying you've used the same details, on the same website as I have in the above example, what differences did you make to the policy to get the reduction in the premium?
Insurers don't have to "win" a civil case - they just wont pay out. They allow us the convenience of having named drivers for the same reasons they allow driving other vehicles cover. Would you presume it's acceptable to buy a 1 litre metro and insure it with a "driving other vehicles" policy and drive your mates Gallardo every day to work? Socially or legally acceptable? People do it but it doesn't make it right.
Young drivers pay a higher premium as they're the highest risk group on the road - thats not in dispute. You're confusing a moral belief that it's OK because it's a loophole in the law, whereas your insurance company would see it differently, and it's their opinion that matters, not yours.
A quote from the below sums up my thoughts on it:
Quote:
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It is important that insurers are covering the appropriate risk with the correct premium; otherwise this premium will have to be borne by other, honest customers."
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IE, ME. The honest customer, paying for the young driver who statistically is far more likely to be involved in an accident.
http://www.easier.com/66846-drivers-...-fronting.html
Oh, and my insurance is in fact £460 fully comp - with a 300bhp roll-caged HEAVILY modified road legal track car. Thats with 6 points too. But then again, I've a proven history of good motoring, driving modified cars - on policies in my own name.
By telling the insurance company you're the main driver but allowing someone else to drive it more than you - I would suggest 51% or more of the time would be a good example, I haven't bothered to look up the definition of "main" that insurance companies use - you're committing fraud.
http://www.moneyhighstreet.com/finan...ng-is-illegal/
http://www.insurancedaily.co.uk/2010...young-drivers/
Quote:
“It is staggering to see just how many people are happy to take the risk and “front” on their car insurance,” said Steve Sweeney, moneysupermarket.com’s head of car insurance.
“It is illegal and will immediately be classified as fraud by an insurer.
“It may save you money in the short term on your premiums, but if caught your insurance will be invalidated and a younger driver could face court – charged with driving without insurance.”
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