matty

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Can a second driver be put on named driver insurance when named driver is banned?

Putting second driver on named driver insurance when named driver is banned.

matty  (Level 1)  |   Car Insurance  |   29 Sep 2010 13:49
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gices gices  (Level 2)  |   29 Sep 2010 20:07

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Not really sure what you're asking - there's a main driver (policy holder) and additional drivers (named drivers) on a car insurance policy. Now who is this second driver?

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Gypsy07 Gypsy07  (Level 1)  |   03 Oct 2010 00:22

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Most people and most police officers (including traffic cops!) seem to think that a banned driver cannot be the main policyholder of a car insurance document. Having recently been banned myself I've gone through the whole rigmarole and know that that is incorrect. I have a minicab with taxi insurance and an 'any driver' policy. My insurance company said that I could continue to be the main policyholder but (obviously, d'oh) I couldn't drive the vehicle while my ban was still in force. But after a few weeks I changed the policy into a friend's name because having a banned driver as the main policyholder meant that every time the car was scanned by cop car cameras, it was flagged up as a possible banned driver. Meaning that whatever person was driving was chased, pulled over and grilled as to who they were and whether the insurance was actually valid. Despite my insurance company being perfectly happy to continue my policy with me as the named policyholder, 99% of police were insistent that that was not legal and that the car was therefore uninsured. It was just a freaking nightmare for my drivers. So the answer to your question is yes, but you really don't want to go there. Not worth the hassle...

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