Car Insurance Policy Holder Not Main Driver

Fronting occurs when a driver chooses to cut the costs of another driver s car insurance often their son or daughter by declaring themselves as the main driver in their place.

Car insurance policy holder not 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. Every car insurance policy has a main driver. Op you will make your life a lot easier and get more and cheaper quotes if your husband is the policy holder. This has to be the person who does most of the driving.

In some cases. An example of fronting would be a family where mum and dad have a car each and buy their newly qualified son a car but take out the policy in one of their names. Named drivers should be careful to avoid fronting a form of insurance fraud. The main driver on a car insurance policy is the person who ll be doing most of the driving.

As a named driver you will be given the same level of cover as the vehicle s main driver. If they don t it counts as a type of fraud called fronting. To get someone else insured on that car you have to add them as a named driver. Policy holder registered keeper and main driver can all be different people but most insurers do at least need keeper and policy holder to be the same.

If op declares what is happening i will be amazed if they don t say that second named driver needs to have a policy in his own name and if he has to start with 0 ncd so be it. Regardless of who is being added to the policy it s important that the main driver is the policy holder to avoid fronting which could invalidate the car insurance policy altogether. Generally insurance policies are set up with the policyholder also being the main driver of the car. The main driver has to drive the car more often than the named driver.

You your spouse civil domestic partner a close relative residing at the same address your company or is the subject of a private or personal leasing contract. If you don t share the same address as the main driver you may also find it more difficult to get added as a named driver. Buy your own insurance policy just be sure to tell insurance providers that you re not the car s owner or registered keeper when you apply. Named driver insurance lets the policy holder add an additional driver in this case you to their policy.

It s worth noting that it s illegal for anyone other than the main driver to be placed as the policy holder this is fronting. 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. You do not have to be the registered keeper of all vehicles but the vehicles need to be or will be owned and registered by either. It s always advisable to contact the insurance provider you re interested in before taking out cover.

Add yourself as a named driver on the car owner s policy.