is it just you on the policy or do you have your mum or dad on it as named drivers, this brings the cost down massivly for new drivers but can be dodgey if its in their name and not yours especially if the car is registered in your name. Watch you for this common error as it could get you in trouble if your in an accident.
Very true, insurers are now getting wise to this. Its called "fronting" where a parent fronts the risk to get the price down even though the young driver is the registered owner and main user. If your insurer believes this is the case in the event of a claim you could land up in trouble, its usually pretty obvoius (eg Mummy has a nice sensible mk5 dsl but then just
happens to want to insure a modified mk2 which just
happens to have her son on as a named driver but its her car and she will still be the main user etc......ok so yeah im sure there are the odd occasions where this is the case but its not very likely is it?
)
With having parents as named drivers on your own policy i would alwasy suggest trying it with and without them as although it is true that it makes it cheaper with some companies, others also give a discount for "insured only" driving etc
Martin
