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Main insured driver vs registered owner

  • 14-09-2016 7:09am
    #1
    Sillybillyx
    Registered Users Posts: 10 ✭


    does anybody know is it OK to have a main driver on car insurance who isn't the registered owner?
    I own a car but I'm not the main driver so I have insuranced someone else as the main driver because they will be driving it more often while I'm away at a college

    I can't seem to find any information on it at a all,

    any help will be appreciated


Comments

  • #2
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Sillybillyx wrote: »
    does anybody know is it OK to have a main driver on car insurance who isn't the registered owner?
    I own a car but I'm not the main driver so I have insuranced someone else as the main driver because they will be driving it more often while I'm away at a college

    I can't seem to find any information on it at a all,

    any help will be appreciated

    Once the insurer is aware that one of the named drivers is the main driver rather than yourself then there isn't an issue. If its a young driver then they will likely charge the correct rate anyway.


  • #3
    Seth Brundle
    Moderators, Politics Moderators Posts: 40,548 Mod ✭✭✭✭Seth Brundle


    Sillybillyx wrote: »
    does anybody know is it OK to have a main driver on car insurance who isn't the registered owner?
    I own a car but I'm not the main driver so I have insuranced someone else as the main driver because they will be driving it more often while I'm away at a college

    I can't seem to find any information on it at a all,

    any help will be appreciated
    I presume you mean your ma!
    Your insurance company will be able to answer this for you but generally this is not allowed unless they are informed in advance


  • #4
    Sillybillyx
    Registered Users Posts: 10 ✭Sillybillyx


    kbannon wrote: »
    I presume you mean your ma!
    Your insurance company will be able to answer this for you but generally this is not allowed unless they are informed in advance

    no... my nanny 😂😋😉

    it really is a case of she's going to be the main driver of the car that the main reason why she's insured as the main driver on it


  • #5
    JimsAlterEgo
    Registered Users Posts: 1,917 ✭✭✭JimsAlterEgo


    you will probably have to pay the higher of the premiums


  • #6
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    If you declare same to the insurer they'll take risk into consideration. Can be known as fronting

    How many vehicles have u insured in your name.?
    If 2, then she'll be charged full cost to be driver under your name based on her driving experience


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