This will work great whilst you are paying the premiums and not claiming, just like pretending you are santa clause or the tooth fairy. (They too have a good no claims history and would be a good risk). The problem arises when you need to make a claim. This is when your insurer will start to investigate the facts and refuse to pay out and then report you for fraud. After a possible short spell in the clink, you will then find it even more difficult to get cheap insurance!

I have just posted a response on the Young Driver's thread - read that.

What you are suggesting is insurance fronting and technically fraud.

Your parents are 100% spot on - don't go there.

The policyholder has to declare all material facts. It is not a case of if the insurance company doesn't mention it, no problem.

Hi, quick question as to whether this is a legal way to insure a car.

I'm nearly 20, plan on buying a car, I've been driving for over 2 years now, insured under my mum on her car for them 2 years. I have no no claims and can't afford to take out my own brand new policy. Can't go under my parents and their no claims since they have their own policies.

There is someone I can go under though, my brother. He is currently in Australia on a 12 month working Visa, he has 4 years no claims. Is it legal to open a policy under his name, obviously with his consent, or even with him doing it himself, with me being a name driver, whilst he is in Australia?

 
The car will be registered in his name and at a UK address.

 
My parents seem to think this is fraud, whereas I'm not sure if it is or not. I can understand the issue of him not being able to drive the car, therefore I am driving the car 100% of the time, but do they technically need to be notified of this?

I plan to go with Direct Line, cheapest quotes, and I've looked through all the policy details and can't find any information about this. I've not rung them up yet to ask just in case they refuse insurance since they are not sure or don't like the idea, or even increase the price of it because of this.
 

It will also be to his benefit since I will hopefully be building his no-claims up, touch wood, without him paying.

 

Hope someone can shed some light on this one

 

Cheers

 

Anthony