Is it legal to insure a car as the main driver in order to save money having a granddaughter as the main one?

Answers:10   |   LastUpdateAt:2018-09-04 23:18:31  

Question
Chapma
Asked at 2012-01-04 14:17:38
Is it legal to ensure a car as the main engine to save the money you have a granddaughter as the main ?
Answer1 ⺌, Y ¨ -Answered at 2012-01-04 16:18:23
While it is a named driver and any convictions for traffic violations are disclosed his fine.
Answer2parakeetAnswered at 2012-01-05 13:20:41
If you are in the UK, most insurers will only insure a car in the name of the registered owner as it would have to pay the registered holder in the event of a loss.

However, what they plan to do is something that people have been doing for years, and insurers have become wise to it now. Often the premium rate on the age of youngest driver these days, and not on age of the person who appears as the main engine.

What I would do is to ask two appointments. One in his name, with her granddaughter as a driver by name, and another in his name. You may find that there is not much difference. Then, one should bear in mind that if I was going in his name, you would have to re-register the car for yourself, which would reduce its value, since there would be another owner in the record book, and we need to to keep in mind that if your granddaughter is not to secure the vehicle to its name, it can be building your own bonus no claims, as most insurers give no claims bonus to named drivers, so when finally comes to ensuring that its name will remain expensive as going to start from scratch. It's just a case of weighing the savings against the consequences and decide whether it is really worth, but from experience, the only way a young driver can get their premiums down is by getting some free insurance claim experience in his own name behind them.

We must also think about the consequences. If you make a claim are granddaughters and their belongings in the vehicle, or stolen from his home or workplace, the insurer may see why you are ensuring where it is clear that the main user. Thewy technically could pull the claim on the grounds that have not shown the necessary elements for a lower premium.
Answer3CheerAnswered at 2012-01-06 23:43:29
In the United Kingdom is called "Front" and is illegal.
Answer4I only care about youAnswered at 2012-01-18 00:31:36
No, it is not. You are making a false statement to obtain insurance , which is classified as fraud. Do not take chances .
Answer5SharpayAnswered at 2012-01-23 11:37:14
Apart from all threats and legal stuff - I remember for sure is a confidence game / like your bank , you give them money and they will return if you ask nicely. Litigation as "wrongful death " and Crash repair approach combined cost of $ 20,000 just for a normal accident not to mention doctors ( ?) - Who are willing to risk an insurance company that gives the push h or more " so we lied ! " I do not think $ 100,000 will not send an investigator to your school and know how to get there .
Answer6KabulAnswered at 2012-02-06 06:52:03
N º. It is illegal, yet there is no real evidence that you are not the main driver and is difficult to prove.
Answer7CastorAnswered at 2012-02-27 09:20:59
She would have to live with you and present proof (driver's license ) to the insurance company. If she begins to have violations, it will increase your insurance rates , even after she is out of the policy or coverage could get canceled. Then you're stuck with "high risk" insurance for 3 yeaqrs .
Answer8Pingo Answered at 2012-03-05 21:25:23
Well, no. It's illegal. You are falsely claiming to be the main driver of a vehicle when someone is going to be the main driver .

That is fraud and may be punished for it.
Answer9Star Chick Answered at 2012-04-13 19:12:01
How old is your granddaughter ? You can get homeowners insurance in any way you can drive any car and be covered , that way you are not responsible for it and risk having your insurance premiums go higher, I know you're trying to save money , but you have to be smart and cover your assets
Answer10business ideologyAnswered at 2018-09-04 23:18:31

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