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purnelly

Driving car permanently as named driver, is it illegal?

I drive a car permanently as a named driver. The car is always with me and is never returned to the owner. Is this technically illegal as I'm only a named driver?

purnelly  (Level 1)
17 Aug 2017 18:31, updated
29 Jun 2010, published
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gices
gices  (Level 5)
23 Jun 2010 14:59
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For standard car insurance policies, it would be classified as illegal. This is because a named driver is someone who shares the car driven mainly by the policyholder. The main driver is supposed to drive the car more often and not the named driver. If the insurer finds out, your insurance will become invalid. The worst part is when you need to make a claim, the insurer might then and there inform you that your insurance is void because you've been fronting on your car insurance.

Under what sort of circumstances are you driving the car as a named driver? Is it your parents car? Are you a young/new driver?

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chippy63
chippy63  (Level 1)
06 Jul 2010 07:49
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This is not illegal, as long as you are listed as the main driver. It does not matter that you are not the registered owner. This is a similar scenario to myself being the registered keeper of my sons car (20 yr old), he is the listed main driver and also a named driver. The key point from your case is Who is main driver listed on the policy. It should be you.

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gices
gices  (Level 5)
09 Jul 2012 13:05

He said he was a named driver not the main one.

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