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Main driver and name on log book

  • 12-06-2012 09:12PM
    #1
    stacexD
    Registered Users, Registered Users 2 Posts: 587 ✭✭✭


    My dad and myself got a new car today which will be the family car as he only has a van at the moment but once he picks something else up will be mine. I filled out the log book in my name while he called the insurance and told him he would be on the log book. He's insured as the main driver with myself and my mother as names drivers.
    Will this make any difference with the insurance?


Comments

  • #2
    S28382
    Closed Accounts Posts: 1,326 ✭✭✭S28382


    Nope not at all as long as your down to be insured on it its fine.


  • #3
    retromotor
    Registered Users, Registered Users 2 Posts: 32 ✭retromotor


    YES YES
    only the REGISTERED owner can insure the vehical
    your da will have to put it in HIS name
    with you as named driver on policy


  • #4
    TestTransmission
    Registered Users, Registered Users 2 Posts: 19,106 ✭✭✭✭TestTransmission


    Surely the father can't be the main driver on the insurance policy of a car which doesn't belong to him/registered in his name?


  • #5
    shawnee
    Registered Users, Registered Users 2 Posts: 1,830 ✭✭✭shawnee


    Have insured the car regd to my wife in my own name without difficulty ;)


  • #6
    stacexD
    Registered Users, Registered Users 2 Posts: 587 ✭✭✭stacexD


    It isn't registered yet.
    He'll most likely be using it more than me because I live away from home for most of the year


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  • #7
    S28382
    Closed Accounts Posts: 1,326 ✭✭✭S28382


    Mmm i wonder how my girlfriend got away with it so for four years, and her brother is in the same situation now????? i knew they were crooked.


  • #8
    stacexD
    Registered Users, Registered Users 2 Posts: 587 ✭✭✭stacexD


    Him and my mother have always insured each others car depending on who already has the other car insured when a new one comes around and never had trouble.
    Found it weird that they asked who would be on the log book though!


  • #9
    TestTransmission
    Registered Users, Registered Users 2 Posts: 19,106 ✭✭✭✭TestTransmission


    shawnee wrote: »
    Have insured the car regd to my wife in my own name without difficulty ;)
    S28382 wrote: »
    Mmm i wonder how my girlfriend got away with it so for four years, and her brother is in the same situation now????? i knew they were crooked.
    stacexD wrote: »
    Him and my mother have always insured each others car depending on who already has the other car insured when a new one comes around and never had trouble.
    Found it weird that they asked who would be on the log book though!

    Pretty sure it's ok when it's your spouse's car but anyone else it isn't.He shouldn't be the main driver on it as he has no insurable interest in the car.


  • #10
    retromotor
    Registered Users, Registered Users 2 Posts: 32 ✭retromotor


    shawnee wrote: »
    Have insured the car regd to my wife in my own name without difficulty ;)

    Ha -- wait till something goes wrong (a claim ) then you'll find out what your insurance company say


  • #11
    Big Nasty
    Registered Users, Registered Users 2 Posts: 22,080 ✭✭✭✭Big Nasty


    AFAIK you're supposed to have a 'vested interest' in the vehicle you insure.

    All three of our cars are in my name and both of us (woman and me) drive all three at (different) times and are named accordingly. However she mainly drives the car I'm supposed to be the main driver on and I the other two. Only reason we do it that way is for cheaper insurance rates. I know it's not exactly correct but we both have a 'vested interest' in all vehicles.

    Truth be known if either of us were unlucky enough to have an accident (touches wood) our insurance could *technically* be null and void.


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  • #12
    retromotor
    Registered Users, Registered Users 2 Posts: 32 ✭retromotor


    .

    Truth be known if either of us were unlucky enough to have an accident (touches wood) our insurance could *technically* be null and void.[/QUOTE]

    the last part is spot on


  • #13
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,058 ✭✭✭AltAccount


    retromotor wrote: »
    YES YES
    only the REGISTERED owner can insure the vehical
    your da will have to put it in HIS name
    with you as named driver on policy

    Says who?


  • #14
    retromotor
    Registered Users, Registered Users 2 Posts: 32 ✭retromotor


    AltAccount wrote: »
    Says who?

    says the insurance industry
    ring any company and ask them

    anybody can insure anything BUT try claiming if its not registered in your name


  • #15
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,058 ✭✭✭AltAccount


    retromotor wrote: »
    says the insurance industry
    ring any company and ask them

    anybody can insure anything BUT try claiming if its not registered in your name

    You can actually have an insurable interest in things that don't belong to you...

    I'd say you need to ring your own insurance company, OP


  • #16
    shawnee
    Registered Users, Registered Users 2 Posts: 1,830 ✭✭✭shawnee


    retromotor wrote: »
    says the insurance industry
    ring any company and ask them

    anybody can insure anything BUT try claiming if its not registered in your name

    Have insured car over the phone and was not asked if registered in my name. Have claimed insurance and was not asked if car registered in my name.....:confused: "QED"


  • #17
    stacexD
    Registered Users, Registered Users 2 Posts: 587 ✭✭✭stacexD


    I'll ring them in the morning, thanks!
    Bit annoying if had to change the name on the log book again down the road, just adding another owner to the list and what not ya know!


  • #18
    hondasam
    Closed Accounts Posts: 34,418 ✭✭✭✭hondasam


    stacexD wrote: »
    My dad and myself got a new car today which will be the family car as he only has a van at the moment but once he picks something else up will be mine. I filled out the log book in my name while he called the insurance and told him he would be on the log book. He's insured as the main driver with myself and my mother as names drivers.
    Will this make any difference with the insurance?

    It's a new thing asking that the reg owner be the main insurer, named drivers are not meant to drive the car full time only occasionally.
    I think this started when parents were insuring cars for kids ie civics subaru's etc. just another way to see who owned the car.


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