Shared car usage

[knight007]

My mom owns the car and I'm a named driver on the ins policy. I look after the upkeep inc MOt, service, ins payments.

[SueEllen]

My mom owns the car and I'm a named driver on the ins policy. I look after the upkeep inc MOt, service, ins payments.

If you have an accident be careful as an insurance company will presume it is fronting due to you paying for everything especially if you are under 25 or a newish driver.

Also some insurers will not allow named drivers to use the vehicle for anything apart from social use so if you don't have a business extension on your policy it's likely you are uninsured.

It's better to have the insurance policy in your name and the registered keeper as a named driver if you do most of the driving.

[northernladuk]

If you have an accident be careful as an insurance company will presume it is fronting due to you paying for everything especially if you are under 25 or a newish driver.

Also some insurers will not allow named drivers to use the vehicle for anything apart from social use so if you don't have a business extension on your policy it's likely you are uninsured.

It's better to have the insurance policy in your name and the registered keeper as a named driver if you do most of the driving.

WSES +10

If you have an accident on the way to work it will be automatically assumed this is the main use of the vehicle and will be difficult to prove otherwise. Fronting was very popular when I was a kid but they take it very seriously now.

The whole point of insurance is to be better safe than sorry so why then jeopardise the whole reason for having insurance? Get it right or gamble on the outcome.

[knight007]

The car is worth only £400. Its insured under third party only.

becoming the registered keeper of the car and insuring the car on my name is going to cost me almost £2000.
Keeping it on my mothers name is £350 due to the no claims she has built up.

That's why I need a way to be able to claim business mileage without being questioned.