Can I be main driver on 2 cars?

The main and named driver have the same level of cover on the car. But a named driver could be the main driver on another vehicle. You can be the main driver of more than one car. But insurance companies will often question it… to check for fronting.

Can you be the main insurer on 2 cars?

Yes, you can insure two cars under your own name. One option is to look into multi-car insurance policies, another is to take out two separate policies.

Can you be the main driver on a car that isn't yours?

The main driver has to drive the car more often than the named driver. If they don't, it counts as a type of fraud called "fronting" (and here's our guide on insurance fraud). But the main driver doesn't necessarily have to be the owner or the registered keeper. This is pretty common for married couples.

Can I be the main driver on my son's car?

Naming yourself as the main driver on your teen's car insurance could get you into trouble. Getting car insurance for your teen is expensive, which is why it's tempting to save money by taking out the policy in your name. But it's known as 'fronting' and has serious consequences if you're found out.

Is it illegal to put someone else as main driver?

Named drivers and insurance fraud

If an insurer discovers that a person is guilty of fronting, their policy could be declared invalid and they could be forced to pay any costs that arise as a result of an accident. Fronting is illegal, and could lead to criminal convictions for those involved.

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Can you get caught for fronting?

So it's understandable that a parent or carer might want to help ease the financial burden and insure a car in their own name, even if they're not the main driver. But this is known as car insurance fronting, a type of fraud. It's illegal and could land you with a criminal record.

Can I be main driver on my mums car?

The car must belong to one of your parents and they must be the main driver for the insurance policy to legally be in their name. If you own the car and you are the main driver, you're breaking the law if the policy is not in your own name - this is called called "fronting".

How do insurance companies know who the main driver is?

If an insurer launches an investigation because it detects fronting, it might do some or all of the following: interview both the main and named drivers to confirm their driving habits. consult motoring databases. look at CCTV.

Who is the legal owner of a car?

The owner is the person who bought the car or the person who has been gifted the vehicle. The registered keeper is the main user of the car. A company car is a common example of when a registered keeper and owner are different.

What is the difference between a named driver and a main driver?

For example, if you're a young person, you can add more experienced drivers, such as your mum and dad, to your policy as named drivers. The main driver is the person who drives the car the most. It cannot be the same individual as the named driver, but doesn't have to be the policy holder.

Does a named driver have to live at the same address?

The answer here is no, it's perfectly possible to add a named driver who lives at a different address to you.

Is insurance fronting illegal?

Yes, fronting is illegal and it's a form of car insurance fraud.

What happens if the registered keeper of a car dies?

DVLA will immediately cancel any existing vehicle tax and direct debits, and send a cheque for any refund and a new V5C. Use the new keeper slip to tax the vehicle in your name before you use it on a public road. Do not wait for the new V5C.

Can I use NCB on 2 cars?

No, you usually can't use a no-claims bonus on multiple cars. This is the case even if you have a multi-car policy.

Can I insure a car that is not in my name?

Yes, you can take out a separate car insurance policy on someone else's car – but make sure that you tell the insurer you're not the owner or the registered keeper of the vehicle when you apply.

Is it cheaper to add a second driver to insurance?

Is car insurance cheaper with a named driver? A named driver might be older and more experienced than yourself. So, your costs could go down if you add them to your policy. That's because driver age and on-the-road experience plays an important part in working out the likelihood of a claim.

What documents prove ownership of a car?

To prove you're the owner of the car you'll need to be able to show an invoice or receipt from when you bought it – or were gifted it.

Who is responsible for changing ownership of a vehicle?

The transfer of ownership always comes down to the previous owner, as they are the one in possession of the V5C, otherwise known as the vehicle logbook, which is a certificate of registration.

Can I tax a car if I'm not the registered keeper?

If you do not have a V5C or new keeper slip

If you're the current keeper, you must apply for a replacement V5C and tax your vehicle at a Post Office. If you're the new keeper, you cannot tax your vehicle without a new keeper slip. You'll need to apply for a new V5C by post.

Do insurance companies check who owns the car?

Insuring a car you don't own

Usually, you can only insure a partner's car, one owned by a parent, an employer's car or a leased vehicle. Most insurers assume that you own the car insured. If this is not the case, and you have not told the insurance company about ownership details, the policy will be invalid.

How do insurance companies track you?

Insurance tracking devices are small devices that gather information captured by your car's computer and provide it to the insurance company. The devices won't change the way your car operates (they won't limit your top speed or when and how you drive) and won't cause any harm to it.

How many named drivers can you have?

You can usually add up to four additional drivers to your policy. However, it depends on your policy terms and insurance provider.

Can I insure my daughter as main driver of my car?

Can I insure my son or daughter's car in my name, with them as a named driver, to make it cheaper? In short, no. If the young driver is the main driver of the car it would be fraudulent to take insurance out saying you are the main driver.

Am I insured to drive another car?

driving other cars insurance. Every once in a while you may need to drive someone else's car. It might be an emergency or you may have permission from the car owner, but that doesn't mean it's legal. Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured.

Is it cheaper to go on parents car insurance?

Adding this to the cost of buying a first car can make getting out there on the road almost impossible to afford for many new drivers. If you're looking to start driving soon, getting insured on your parents' car can be a great way to keep costs down.