Main/Named Driver

[KaptainKhaos]

Hi all,

My son (24) wants to buy a 2nd car & has asked ME to be the Main Driver and HIM as a Named Driver, to get his insurance cheaper. He already owns & insures a van himself. He passed his test December last year, so has no No Claims Discount at all.

I told him that I couldn't do that, as I would not be the main driver, but was happy to be a named driver and that the insurance would be invalid if anything happened & if he did anything stupid, it could affect my own insurance that I've had for 40+ years!

What can I tell him so it is "legal" to him and not just a Dad saying "No" and being the bad guy in all this?

Thanks in advance.

[atticus]

Your son risks being treated as uninsured once the insurer realises that he has not been truthful. The consequences will be more expensive than doing it properly now.

[islandgirl]

I would not do this - it could result in any claim not being paid and worse.

[des8]

"Fronting", which your son is suggesting is fraud.
It is illegal and if discovered could land you both with a criminal record which will affect you both for years to come.

[HandyAndy]

Tell him to have a read of this:

https://www.actionfraud.police.uk/a-z-of-fraud/fronting

(Other articles from various sources, saying very much the same, are available).

[KaptainKhaos]

Thank you all - I have printed that "fronting" article & will shove it in front of him saying "that's why I won't do it"