Being added to an insurance policy for a cheaper quote

Well for one if he speeds and gets points he could try and say it was you driving, even as far as to let it go to court. Or if there was a hit and run. I wouldn't be doing it unless it's a trusted family member of friend

Adding an experienced driver to a learner drivers policy still usually results in a decrease. The learner isn’t expecting OP to take out a policy and add him as a named driver.

To be honest OP I don’t think there are any possible negative impacts for you. The other comments about the learner trying to frame you for any speeding incidents is completely false. They can try frame anyone but they won’t get anywhere without their signature and driver number

The only thing I’d worry about is you do someone a favour like this and before you know it they’ll be asking for favours all the time

If there ever was a claim on the policy, both main and named drivers will have to declare that for any motor insurance policy the next 5 years

The posts have been "if"

Ignore at your peril. Read the policy fine print. 'whether at fault or not'

If found out that you had not declared, policy will be void

When it comes to legalities, do take the advice from random strangers on the internet

Maybe ask if you can talk to his insurance company to ask them because some people here are guessing about things to be honest

You need the full sentence for context, not a few words you are trying to use to frame something into something it is not.

Good decision. If it wasn’t for the license and personal details there would be practically no risk.

Can't remember the list of persons that be added as a named driver when I last renewed my policy but assume it has to be a partner or relative.Or maybe someone living at the same address.But not a random stranger-work colleague or not,the boss even

Which part? Insurance expert replying?

Insurance companies work off statistical likelihoods. Statistically, the theory would be that drivers who have someone (anyone) else listed on their policy, are less likely to be involved in a collision. It could be for any number of reasons whatsoever, maybe....

• the second driver is a parent who bought the car and the child feels compelled to be careful,
• the lower risk driver takes over on longer journeys, so less tired driving,
• the type of person to even consider that they may be tired/over the limit one day is a safer driver,
• people with close friends could be safer drivers,
• the main driver may equally be named on the named drivers other policy, so drives that car sometimes,
• "car guys" are more likely to crash, and also less likely to put a randommer on their precious car,

Who knows? In any case, adding another person who may actually never drive the car is not fronting, it's not illegal, and it's not risky for the person added to the policy either.

Noone knows any of those for sure, which is why I said "statistically", "could be", "maybe", and "who knows?"

Even the team of actuaries calculating insurance risk may not even know themselves.

But at lease some of their models must show that adding a second driver to a policy reduces risk, and therefore premium, because people are being offered lower premiums when adding a second driver.

How is it a fiddle? Please explain, using a link to a policy document which states that it is not allowed.

Even AXA themselves say that they make assumptions when they suggest doing it on their own website...

So do Chill (Insurance Broker)

And Dooley (Insurance Broker)

And USwitch

And Citizens Information

And RAC (Insurer)

The accompanying driver might have had a claim in the past few years or points on their licence.

A clean drivers licence with no claims will give the best discount, while others would actually raise the premium.