Car Insurance Main Driver Definition

Our car insurance is in my name with my husband as named driver.

Car insurance main driver definition. It has been like this for over 12 years with me having a full no claims bounus. Fronting is when a driver declares to a car insurance company that he or she is the main driver of a vehicle when the main user is actually someone else. That person should be identified as the main driver on any insurance policy. Insurance main driver proposer.

Who is the main driver of a car. Commerdriver a few years ago i ran a policy for about 5 years which had my son as the main driver but the policy in my name. The main driver also needs to be the policy holder. Usually an older more experienced driver falsely insures a vehicle in their own name even though the main driver is a younger riskier motorist.

This won t always be the policy holder but it will be a big factor in the size of the premiums you ll end up paying. The main driver on a car insurance policy is the person who ll be doing most of the driving. Premium calculated on son s age driving record therefore high but my maximum no claims of 60 applied to that premium so the combination of youngster as main driver on mum dad s policy was ok then. Named drivers aren t usually allowed to build up their own ncb as it s the main driver s good driving record that the claim free history will be supporting.

If you give your insurance provider false information to reduce the cost of your premiums your policy could be invalidated. The main driver is usually the person who owns the car drives the car more often and would be responsible for any repairs. If you do this any subsequent claim could be rejected because you ve supplied false information when applying for your car insurance. They will use all their metrics in regards to this driver to determine the main cost of the insurance.

The primary driver is the one that the insurance company scrutinizes the most. We would like to change to my husband being the main driver as he does the driving now and i would like to give up driving. Can i drive someone else s car without being a named driver. Often a more experienced driver usually a parent falsely insures the car in their own name but a younger less experienced driver their child is actually the main driver.

If for example you drive to and from work every day in the car then you are considered the main driver. Compare car insurance quotes. The most straightforward way to determine the main driver of a car is to ask yourself who drives it the most. What would this mean for the no claims bonus would he have to start again.

How to add a driver to your car insurance policy.