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Can i go onto my Dads car insurance and get my own car aswell?

  

Can i go onto my Dads car insurance and get my own car aswell?

Postby teregud » Wed Aug 15, 2012 7:06 pm

What the title says. Can i go onto my dads car insurance and drive my own car, instead of driving my dads?
teregud
 
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Joined: Thu Mar 31, 2011 2:11 pm

Can i go onto my Dads car insurance and get my own car aswell?

Postby navarre » Wed Aug 15, 2012 7:12 pm

No unless your dad is willing to be the first driver for BOTH cars that means hes paying for them, also thats called fronting which is illegal
fronting- getting a family member with more years no claims bonus to be the main driver of the car and you being the secondary, but the secondary driver i.e you, are using the car mostly
navarre
 
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Can i go onto my Dads car insurance and get my own car aswell?

Postby adiel » Wed Aug 15, 2012 7:18 pm

yes but you'll need to buy separate insurance for your own car.
adiel
 
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Joined: Thu Mar 31, 2011 3:25 am

Can i go onto my Dads car insurance and get my own car aswell?

Postby lakeland » Wed Aug 15, 2012 7:20 pm

This depends on your situation.

You can:
1)Be listed in ANYONE's insurance policy for a specific vehicle, add a vehicle at a later date with the policyholder present at an office location or over the phone
2)Be listed in ANYONE's insurance, whether related or not and later acquire your OWN insurance to a seperate vehicle or additional coverage by a seperate company
3)You can be listed in an insurance policy without ever owning a vehicle, though this shows insurance responsibility and as long as payments are made on time - can be used at certain chevrolet or gm dealerships to obtain financial support for easier car approval.
lakeland
 
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Can i go onto my Dads car insurance and get my own car aswell?

Postby akavya27 » Wed Aug 15, 2012 7:31 pm

No.
You'd need your own insurance to drive your own car, Dad's insurance only covers you to drive his car, assuming your name is on the policy.
akavya27
 
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Can i go onto my Dads car insurance and get my own car aswell?

Postby giovanny » Wed Aug 15, 2012 7:37 pm

no you can't. Your father's insurance is for his car only. Your own car must have its own insurance. If you are the main driver then it must be in your name or it will be illegal and invalid. "Taking a chance" will ultimately cost you even more in legal issues.
giovanny
 
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Can i go onto my Dads car insurance and get my own car aswell?

Postby findley » Wed Aug 15, 2012 7:41 pm

no you can't. Your father's insurance is for his car only. Your own car must have its own insurance. If you are the main driver then it must be in your name or it will be illegal and invalid. "Taking a chance" will ultimately cost you even more in legal issues.
Private car insurance policies are for one car only. If you went on Dads insurance as a named driver you would be insured to drive his car and no other car whatsoever (he MIGHT be able to drive other cars not belonging to him but you WILL NOT)
You are clearly looking at ways to get cheaper insurance - you need to read this
http://www.bbc.co.uk/news/10241769
findley
 
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Joined: Mon Jul 09, 2012 1:49 am

Can i go onto my Dads car insurance and get my own car aswell?

Postby gwylim » Wed Aug 15, 2012 7:54 pm

You can go onto your dad's insurance as a named driver for the purpose of driving his car.
If you want your own car you will have to insure it separately with you as the main driver. You can put your dad on your policy as a named driver which will bring down the premium if your dad has a good driving record.
gwylim
 
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Joined: Thu Mar 31, 2011 10:30 pm

Can i go onto my Dads car insurance and get my own car aswell?

Postby fresco » Wed Aug 15, 2012 8:01 pm

no, your dad's insurance you dad's car these are the rules
fresco
 
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Joined: Fri Apr 01, 2011 1:50 pm


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