MiataMark
Club Retro Rides Member
Posts: 2,961
Club RR Member Number: 29
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insurance queryMiataMark
@garra
Club Retro Rides Member 29
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My dad (88) has a car but can't legally drive it located in Swindon, my sister who lives in central London wants to be insured to drive it but will only use it in Swindon. For various reasons we don't want to transfer, ownership of, the car to her and anyway she would still potentially have the issue of her address being London not Swindon. She doesn't have a car sand hasn't driven for 25 years so has no NCB.
AA won't cover it and NFU quoted £1K although not sure what that was based on.
It's been suggested that it is insured in my Dad's name with my sister as a named main driver, but teh insurance premium will be high based on an 88 year old driver even though he can't drive the car. We could register the car (not ownership) in my sisters name with location of car in Swindon.
The car is 7 year old 1.2 Corsa.
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1990 Mazda MX-52012 BMW 118i (170bhp) - white appliance 2011 Land Rover Freelander 2 TD4 2003 Land Rover Discovery II TD52007 Alfa Romeo 159 Sportwagon JTDm
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jamesd1972
Club Retro Rides Member
Posts: 2,840
Club RR Member Number: 40
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insurance queryjamesd1972
@jamesd1972
Club Retro Rides Member 40
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Would you drive the car occasionally / potentially as much as your sister ? Bit of a risk for you in terms of claims being booked on you but it could be insured in your name with sister as named driver. V5 in your name but as you infer V5 is not the same as ownership. Otherwise with no NCB etc. think its always going to be expensive for your sister. Otherwise flog it and use the cash for your sister to hire cars instead. You can get annual hire car excess insurance for 50 quid or so to bring risks down to sensible level and hire stuff like a corsa for 30 / day. James.
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Son in law had a similar problem when his car died, and a mate offered him a loan car, his insurance wouldn't cover it because he wasn't the registered keeper. We solved it by buying the car. If it's an infrequent use thing, maybe day insurance would be better, if it's in dad's name but main driver isn't him, some insurance companies call it fraud.🙄
Edit - be aware that day insurance excess is HUGE!
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squonk
Part of things
Posts: 858
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Have you tried going through a broker? When my father died I wanted to keep the ownership numbers of his Mercedes down (it was an immaculate one previous owner car despite being a 1996) but also wanted to be able to use it. I also needed to keep it at my mothers house as I didn't have the room. My broker managed to secure a policy for me that enabled me to do exactly that without penaly or an increase in excess.
Brokers have the ability to negotiate with companies on your behalf, something that the potential policy holder is unable to do. I have never used an online or direct insurance company in 40+ years of motoring and never will. Going through a broker (the same one in fact since I got my first moped policy in 1976!) has always given me a competitive quote and the reassurance that an experienced broker is working for our mutual benefit.
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2004 Chevrolet Avalanche Z71 2005 Mercedes CLK320 Cabriolet 1996 Mercedes C180 Elegance Auto Saloon 1996 Rover 620Ti (Dead fuel pump) 1992 Toyota HiLux Surf 1987 Range Rover Vogue (Rusty) 1992 Range Rover Vogue SE (More Rusty) 2006 Chrysler Grand Voyager 2008 Corsa 1.4 Design
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Feb 10, 2022 17:04:04 GMT
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Insuring in one name and the named driver using it as the main driver is something the Insurance companies really get snotty about if they find out, they call it fronting. None of this matters particularly until it goes wrong. If she needs to drive it she needs to be honest about the facts and as suggested by squonk, a broker may be the answer
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Needs a bigger hammer mate.......
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cjj
Part of things
Posts: 275
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Feb 10, 2022 20:28:14 GMT
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As above, it's "fronting". www.actionfraud.police.uk/a-z-of-fraud/frontingA car owned by an elderly drive that's not legally allowed to drive, driven by a driver in an area they don't live and are potentially not familiar with, where said driver hasn't driven in 25 years, and has no NCB... The reality of the insurance is the actual risk. Any permutations that aren't honest are a major risk that the insurance is invalidated. Perhaps not the answer you're looking for, but it is what it is
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MiataMark
Club Retro Rides Member
Posts: 2,961
Club RR Member Number: 29
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insurance queryMiataMark
@garra
Club Retro Rides Member 29
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Feb 13, 2022 15:01:29 GMT
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Thanks for the help and suggestions.
Just to clarify we're not trying to do anything illegal or against rules, I know about fronting etc.
From an insurance perspective not driving for 25 years is irrelevant except for the lack of NCB. The risk associated with her driving again is recognised and we'll look at refresher lessons, accompanied drives (with me) etc.
We'll register the car in my sisters name and insure it in her name with a declared location for keeping it as Swindon.
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1990 Mazda MX-52012 BMW 118i (170bhp) - white appliance 2011 Land Rover Freelander 2 TD4 2003 Land Rover Discovery II TD52007 Alfa Romeo 159 Sportwagon JTDm
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Feb 13, 2022 19:55:50 GMT
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Kind of similar situation here with the third party only cover on my youngest son's car. It is registered in my name because he was only fifteen when he acquired it but when he gets his restricted licence and can legally drive alone, theoretically about the middle of this year, he will become the main driver. I have advised our insurers of this and they are quite happy with it, they just want to be notified when he passes his test. Obviously the excess is rather larger for a sixteen year old than it is for me at fifty-five but that is the only difference. Disclaimer, we're in New Zealand not the UK so your insurers may look upon this sort of thing entirely differently.
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