Frequent Questions
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Car insurance quotes online, or by phone |
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Policies for provisional or first time drivers |
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UK based call centres |
Should I insure in my parents name?
Many people try to avoid higher premiums by insuring a car in a parents name and adding a younger driver.
Technically this is called "fronting" and it is to be avoided. In the worst case, should you do this, a claim could be called invalid meaning that you would not receive a payout and the younger driver could be convicted of driving without insurance.
As a minimum the fine would be severe and 6 points is generally the basic penalty. For young drivers this could potentially mean the loss of their license.
A vehicle being used for commuting by a student could be the evidence an insurance company would need to invalidate the policy for fronting.
The safest course of action is to insure in the young drivers name. This carries the extra benefit of them being able to accumulate their No Claims Bonus.
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