Insurance

[Fladdem]

Hi, I've just bought another car to use to keep the miles off my 4x4, it's costing my a fortune to run, the new one is a 1999 1.8 Accord, I picked her up for £210 with twelve months ticket, the issue is the car insurance.

If I put my dad as the policy holder, but the vehicle is in my name on the log-book and I pay for it and put myself as the main driver, which will be true, it's about half the price compared with me as policy holder and main driver, my dad as a named.

Is this legal or not? Help me Mr 'Borg, you're my only hope.
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Current:1991 Honda MT50 (Soon to be a H100/MTX/MT5 hybrid), 1976 Honda Cub C70, 2005 Honda Varadero 125, 1993 Yamaha TTR250 Open Enduro , 2010 Road Legal Stomp YX140, 1994 Honda CRM 250 MK III, 1999 Cagiva Mito 125, 1992 Honda CB400 Super Four, Stomp T4 230, 1984 Honda H100s, 2009 Sym XS125K
Past:2003 Aprilia RS125, 1982 Kawasaki GPZ550(FREE BIKE!)
I'm having more fun than a well-oiled midget.

[janner_10]

Why dont you just put car in your Dads name and you as named driver & give Dad the money. Who is to know?

Unless of course you post about it on the internet.
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Yamaha FZS600 (Now gone to heaven) > CBR600F4i (SOLD) > '99 YZF-R1

[andyscooter]

It's fine its what mum and dad had been doing for years

And now dad has died we took his name off the policy and mum has gained over 9 years ncb

Mum owned the car and drove it

Dad paid the insurance bills and t9k out theolicy
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Rogerborg]

This is one for arry, not me.

I'd be a little bit careful though. Are they not expecting the policy holder to be the owner and keeper? I've been asked to confirm that on most quotes for years.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[P.]

I'd say thats perfectly legal. I'd do it.

[Fladdem]

I would guess it's legal, if it was his car, with him as policy holder and me as main driver. Why else would they offer the option? That would be the exact truth of the matter as well, so I couldn't be done for fronting.
____________________
Current:1991 Honda MT50 (Soon to be a H100/MTX/MT5 hybrid), 1976 Honda Cub C70, 2005 Honda Varadero 125, 1993 Yamaha TTR250 Open Enduro , 2010 Road Legal Stomp YX140, 1994 Honda CRM 250 MK III, 1999 Cagiva Mito 125, 1992 Honda CB400 Super Four, Stomp T4 230, 1984 Honda H100s, 2009 Sym XS125K
Past:2003 Aprilia RS125, 1982 Kawasaki GPZ550(FREE BIKE!)
I'm having more fun than a well-oiled midget.

[Rogerborg]

Again: you weren't asked to confirm that the policy holder is the owner and registered keeper?
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Fladdem]

I was, but I haven't filled in the logbook yet so as it stands neither of us are the owners yet. I bought it from work so there's been no rush to fill the logbook in yet.

I don't see how it could be questioned, because everything would be true, it's his car, but I would drive it most, so how could the insurance company quibble if we've told them everything?
____________________
Current:1991 Honda MT50 (Soon to be a H100/MTX/MT5 hybrid), 1976 Honda Cub C70, 2005 Honda Varadero 125, 1993 Yamaha TTR250 Open Enduro , 2010 Road Legal Stomp YX140, 1994 Honda CRM 250 MK III, 1999 Cagiva Mito 125, 1992 Honda CB400 Super Four, Stomp T4 230, 1984 Honda H100s, 2009 Sym XS125K
Past:2003 Aprilia RS125, 1982 Kawasaki GPZ550(FREE BIKE!)
I'm having more fun than a well-oiled midget.

[Rogerborg]

Ah, then register him as the keeper, pas de problème.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike