but if you are a named driver and you have an accident and they find out that you always drive and your mum/dad hardly does, then your in for it, its called fraud... lol its better just to pay the price and wait until you get some no claims under your belt, or become a girl.....
Everyone always says that and to an extent it's true. But I personally fail to see how any insurance company can prove beyond any reasonable doubt (which is what they'd have to do in court) that you've intentionally been fraudulent and that you're using your car more than is a reasonable amount as a named driver.
Actually it doesn't make much difference whether the parent is the policyholder or just the named driver.
When HollyBaby was learning we insured the car through Admiral for about £800, comprehensive. I was the main driver and drove the car to work anyway. When she had passed her test we left the insurance as it was, because it meant registering the car in her name too, but when she went to Uni we obviously had to put both the car and insurance in her name. Talking it through with the insuarance company (still with Admiral, nobody else could touch their price), we found that with the policy in her name and me as name driver (which I need for the occasional drive and fixing the car & stuff), the price was about the same - in fact it came down a little, she's paying £725 now. (If I were to take my name off the insurance would double... go figure! Even though she lives 100 miles away now and the insurance company know this!)
One thing about Admiral is their 10-month policy, which gives you a year's NCD if you don't claim, so you build up your NCD quicker.
