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Car insurance dilemma - named as main driver but not, what should I do?
I recently agreed to be a named driver on my au pair's car insurance to lower her premiums & as I may indeed drive the car on occasions. Now I discover that I am named as the main driver which is definitely not the case. As she has made this statement, am I right in thinking that this couldn't be held to be a lie on my part (unless I then signed a statement to say this was true or similar?) I have provided my license details for the insurance company but haven't made any statement. are there any possible repercussions for me? How do insurance companies check such things?
She's an inexperienced driver, aged 18 & 3 months since passing test. Premium was £1000 then £387 with 2 named drivers then £214 with me as main driver (found all quote details!)
Sorry and yes she is registered owner & keeper.
Insurance Companies accept the details given by the policy holder. They wouldn't normally look any deeper until there is a claim. If you have a car of your own that you take to work each day, and your au-pair has a car that she keeps with her all day, then you can't possibly be the main driver of her car, and it won't take the Insurer long to figure this out in the event of a claim. Contact her Insurer and get the details corrected before a claim occurs.
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