Using a parent as named driver on insurance

Misc · World Chat Champion Joined: 15 Aug 2005 Karma :

How exactly does this work as i'm reading on another forum that someone done this & got a hefty discount on there quote. I want to use my mum on the policy but would she just be a name driver & me as proposer? Who's NCB do i use as she's got a fair amount.

Any help is appreciated.

Cheers.

carvell · Scuttler Joined: 05 Sep 2003 Karma :

Put her on as a named driver. Don't use her NCB, use yours obviously, as it's your policy.
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Yamaha TDM 850

Misc · World Chat Champion Joined: 15 Aug 2005 Karma :

Do all insurers do this then or just word 'named drivers' differently as i'm on eCar now & i'm the 'proposer' & mum is 'driver 2' is this right?

The quote wasn't any different anyway. Smile

Kipper · Borekit Bruiser Joined: 21 Mar 2008 Karma :

The way to save money is put your parent as the proposer and you as the named driver. The quote is cheaper but you don't earn your own no claims (however you do with direct line).

physbar monkey · Borekit Bruiser Joined: 27 Mar 2008 Karma :

I've found with my car (2 years ncb) I still save money putting my mum on as a named driver, even if she'll never drive my car I'm saving £40. I'm not entirely sure why, but I'm not complaining.

It would be much cheaper for me to be a named driver and my mum to be the proposer but seeing as I live in bristol most of the year that's stretching it a bit.
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panrider_uk · World Chat Champion Joined: 23 Sep 2007 Karma :

Wafer_Thin_Ham · Super Spammer Joined: 18 Nov 2005 Karma :

JonB · Afraid of Mileage Joined: 03 Jun 2004 Karma :

Funnily, I buck the trend. Having my Mum or Dad on my policy and the price stays the same. Confused

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Mal · Brolly Dolly Joined: 31 Aug 2004 Karma :

carvell · Scuttler Joined: 05 Sep 2003 Karma :

thegubner · World Chat Champion Joined: 25 Mar 2007 Karma :

carvell · Scuttler Joined: 05 Sep 2003 Karma :

thegubner · World Chat Champion Joined: 25 Mar 2007 Karma :

Lady P · Scooby Slapper Joined: 09 Jan 2008 Karma :

When I insured my car earlier this year and wanted to put my mam on as named driver it more than doubled even though she has a full licence and advanced driver on hers

Now I have been lookin to put my son on it and have been quoted some silly prices as his bike NCB dosnt count, I am a named rider on his policy and it was the same price may be look into me insuring it and him named rider

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

Having a parent as the policy holder and yourself as a named driver has got to be one of the most expensive ways to buy a piece of paper.

Insurance companies are well aware of it happening, if you crash you'll be fucked. So the policy is worthless, you don't get any NCB, all you get is a very expensive piece of paper.

Yes guv, it's very silly, I can do you an piece of printed A4 paper that looks like an insurance certificate, and I'll do it for the bargain price of just £100. Mr. Green

A quarter of the price you paid, and it'll do exactly the same for you in the event of a crash (absolutely nothing).

Wink

hellkat · Super Spammer Joined: 12 Jul 2004 Karma :

carvell · Scuttler Joined: 05 Sep 2003 Karma :

Remember that if you use your bike NCB on your car, you can't use it on your bike, so if you manage to use it on your car your bike premiums will soar cos it'll be back to 0 years.
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Lady P · Scooby Slapper Joined: 09 Jan 2008 Karma :

My car insurance is under £160.00 with 6 yr NCB to add my son who is 19 anything up to £3500 that is protecting my NCB as well

If you use a parent as main driver and self as named driver you will be covered but only third party and you are only supposed to use the car on occasions

Some insurance companies will take your named NCB but very few as I was a named driver on my dad ( I didnt have a car at that time long story ) we didnt even live in the same house when I bought my car I phone round as there was no internet at that time Norwich Union took the fact that I had been a named driver but was a long time ago so things may have changed

t121anf · World Chat Champion Joined: 23 Feb 2007 Karma :

thegubner · World Chat Champion Joined: 25 Mar 2007 Karma :

skinny · Nitrous Nuisance Joined: 16 Jul 2007 Karma :

Also with you mum, dad as a named driver you are at least legally aloud to drive on the road. A fair amount better then no insurance.
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Mr Nice Guy · World Chat Champion Joined: 18 Jul 2007 Karma :

skinny · Nitrous Nuisance Joined: 16 Jul 2007 Karma :

I only did this when living at home and driving a cortina Mk5 so don't see how any insurence company would be able to prove anything?
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oops I did it again....

_Will_ · World Chat Champion Joined: 16 Jan 2006 Karma :

thegubner · World Chat Champion Joined: 25 Mar 2007 Karma :