2nd car?

[kell]

i recently passed my test and im buying a car. the insurance is really high and i wanna know if my mum can insure my car as well as her own in her name, then put me on the policy for my car

[steffomini]

It's possible but Insurance companies aren't that stupid and they may question why your mother needs two cars with the daughter as a named driver on the second one.It

[steffomini]

To follow the above post.It will be better if you could get the insurance in your name straight away,I know it will be expensive at first but at least you'll get your No-Claims Discount faster and it will save you money in the long run.

[clancyblob]

The insurance companies are calculating the risk of them having to pay out for an accident, and will charge more when there is a higher risk. They expect the main driver to be the one on the policy.

If mum (older and probably more experienced) is down as the main driver, and you are unfortunate and have a bump, they will not be happy bunnies if they discover (as they surely will) that in fact "high-risk" you have been the main driver all along. They can declare the insurance void because of the deception. That makes you an uninsured driver at the time of the accident. That's a big offence, and can end in your licence being revoked, as well as you persoanlly having to personally pay out any compensation for the accident. So do as Steffomini says, be honest, pay up, and soon you will be an experienced driver, with lower premiums.

If you stay on someone elses policy (as my wife does) you don't earn any no-claim discounts - so although my wife's driven accident-free for years on my policy, if anything happens to me it'll be expensive for her to get her own insurance!