First Time Driver Insurance

Hi

My partner has just passed his driving test and is now looking to buy a vw polo 1.0 or corsa and get cheap insurance. Would it be possible for him to go on his dad's insurance as they live at two different addresses and would it be legal? And would that bring his insurance down?

Question by Lea on 8th Sep 2008 at 06:35

Lea,

Let's get the facts straight - your partner will be buying a new car and is seeking insurance for the first time and wants to go on his dad's insurance and the dad live at a different address? This would unfortunately be classified under insurance fronting and it is illegal. Fronting occurs when a more experienced driver is added to an insurance policy to bring the quote down which your partner will be doing if he decides to do this. In the event of a claim, the car insurance company will refuse to pay out and your partner may find it difficult to get cheap insurance after that.

And this will be more obvious in your case because your partner and his dad live at different addresses, so it's better if he refrains from the temptation of cheaper car insurance under these circumstances. See our article on 'new drivers cheap car insurance' for more information.

Answer by Gices on 10th Sep 2008 at 06:50