Hi
My dad who is no longer able to drive due to health has let his licence expire so I believe he is not entitled to insurance even though he would not be driving, he really wants to insure his car against fire and theft and also have it that visitors from abroad could drive it instead of hiring a car. my question is if he cant be the main driver can I be if I already am insured on my own car ie can I use my no claims bonus on two different policies or would the fact he does not have a licence exclude him from fire and theft insurance ?
Any ideas how we can get some kind of insurance for this set up?
Our prob is everyone we are considering is that they already have cover under their own name. re the father son thing I am not sure that this is valid would the father not need to submit his no claims to his own insurer and would he not need to falsley declare himself as owner of the 2nd car?/
I just want to make sure we dont pay insurance that is found to be invalid
Ta for suggestions
I have two vehicles .... and two no claims bonuses on both policies
My experience is the same as nolo77.
Paddy, did they give you a ncb when you started insuring a second vehicle? or did you work it up, as you have been insuring two for several years.
Just to be clear, this (not uncommon) arrangement would constitute insurance fraud, due to the untruth on the proposal form about who is the main driver. If/when it comes to a substantial claim, the insurer may well start digging around, and may pursue the policy holder for the costs of any claim.A Father has insurance on his own car his 17 year old son buys a new car for himself insurance 3 k plus, so he gets his Dad to be main driver then he is named driver and end up paying very insurance as a named driver.But yet he drives it all the time.
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