Can I drive my dad's car even though he is the only one on the policy?

Asmed

It is illegal and you would get in trouble if you got caught.

I am guilty of this as i always drive my dad's jeep and mercedes and have never got caught. He let's me do this only when he is with me. I'm 19 and think that you shouldn't risk it, but i do, so who am i to tell you not to.

Andre K

Answer Machineâ„¢

dont do it, he will get mad at you

AERO001

I have found the answer, someone as asked something very similar in the past:

I'm assuming you're in the UK. If so, the answer is NO.

You could be prosecuted for driving without insurance. Your dad's insurance would not be valid while you were driving so if you had an accident the insurance company would refuse to cover any damage. Your dad could also be prosecuted and get points on his licence or a fine or a suspension or all of these.

It is better to be taught by a professional instructor anyway. No disrespect to your dad, I'm sure he's a very good driver but he may not be completely up-to-date on the latest developments and driving practises.

Sorry: The people who are under the impression that it is OK to drive on private property without insurance are mistaken. The person in charge of the vehicle is still liable for any damage or injury caused. If they do not have public liability insurance covering them for any injury they cause to a third party they could end up paying out for the rest of their life. Insuran by STEVE S ce companies do not pay out on uninsured risks. If they are forced to cover a claim by the courts, they will try to recover their money.
5 months ago
Source(s):
Driver for over 30 years. Was a motorcycle instructor in the days before it was a legal requirement to get lessons for a bike test.

glasgowguy89

As others have said you will be in BIG trouble. Just because your 18 that means nothing.

Im 19 and I drive a Â£25,000 car imported from america with a 3 litre engine and my insurance is only Â£950 as the policyholder.

Do quotes online, remember you can cancel the policy at any time.

This can help put your policy premium down.......

If you are a BAKER working in a BAKERY that can be more expensive than a BAKER working in a BAKERS. Its really stupid but its how insurance companies work.

welcome news

I assume you mean you would ask your father to add your name onto his insurance policy!

If you don't pay the insurance premium then you cannot legally drive the car, tough, I know as I have a 17 Y/O myself but the claims from young drivers are horrendous and most insurers won't touch them with a barge pole. If you did drive it without insurance then either:

1) Your father admits he gave you permission. You get a IN10, he gets an IN12 which have to be declared to the insurance company - affecting his premium - not to mention fines etc

2) Your father does not give pemission. In which case you get a UT40 - TWOCING in street language - Taking without owners consent - which is a much worse penalty.

In either case if you have an accident the car isn't covered (even if your father denies he gave you permission to drive these days) and if you inhure someone you will be basically made bankrupt.

andy w

Yes you will get in trouble.
If caught you will get a large fine and at least 6 points.

If your father did not know you were driving the car then you would also get done for TWOC (taking without owners consent) and if he did know then he would get done for allowing you to drive without insurance.

Buy a cheap car, take a pass plus course and live with it for a few years.

COLIN T

You will be driving uninsured and in BIG trouble if you get caught. Your father could possible also be prosecuted for aiding and abetting.

focus

Yes you would be in serious trouble for driving without insurance and your dad could also be in trouble for allowing you to do it.

cai3i3age

yes you will get in a lot of trouble. the car could get taken away from you and your dad will have to pay to get it back. you could possibly get points on your lisence and then when you do try to get insured it will be even more expensive than in the first place.

KiKi

Yeah, You have to be on the insurance especially now that you are 18.
If you are caught driving your parents car the police are only going to
assume that its a regular thing and you will get into trouble for not being an insured driver. I wouldn't risk it. Ask your dad what he thinks about it

Matt K

Yes I believe the police can also class that as theft.

It is illegal and you will get in alot of trouble.

Plus if you have an accident in the car you will be liable and your dad's insurance null and void

Dont do it

Cynical_Student

Yes - because your not insured on the car, and therefore if you have an accicent, your dad's insurance wouldn't cover the damages - unless your dad claimed you "borrowed" it without his permission - and (obviously) would land you in a heap of trouble.

These days, in the UK you only need to be caught once for the car to be seized by the poilice if you're stopped. You'd get points on your licesne (and that causes insurance to go up)

Please punctuate properly, folks

Ask yourself this: Would you like to be fined, banned, have points applied to your licence which will stay on your licence for 6 years, which future insurance companies will be aware of, and they will be delighted to top-load your premium... And here's the killer - a lot of police-forces are currently seizing cars and CRUSHING them if you don't have insurance. Tell your dad what happened to his car!

GAVIN E

Yes you will as you will be driving without insurance. This act could get your dad's car impounded.

It is the person that is insured and not the vehicle.

Buddha

You certainly would be in a lot of trouble, as would your dad. You can't drive if uninsured. I used to work in partnership with the Probation Service and came across many such cases. Your dad can put you on his insurance as a named driver for an extra amount of money though. It would be cheaper than you insuring yourself.

Unholycinna

Yes, you will be in trouble. Especially if you have a wreck or get a ticket. Your dad would be liable for repairs to his car and any other property damage. His insurance would not pay for squat.

samwise gamgee

You will be fine... until the police find out.

taxed till i die,and then some.

You have to have your own insurance to drive.

Ron S

You would not be covered and it would be a serious motoring offence.

Not only that should you have an accident you may be paying damages for the rest of your natural.

sassie639

He needs to add your name to his policy, you have to have coverage.

siouxsie

Yes, as that's illegal, you will get into trouble

Connor

Yes, it might as well be a random person off the street driving your dad's car, you would get in huge trouble and it would be terrible if you got in a wreck, maybe even jail time.

MellowMan

You need to be named on his policy. Sorry no way out of it.

michael2k_18

it would be bye bye licence, as your dad is the only person insured to drive the car

jmssky

you need to have insurance to drive a car

It's me :)

No you can't

Yes you would, more importantly he would be in trouble too!

If you are in U.K. Police now are able to impound cars and crush them if driver has no valid insurance cover.

Ella

your name needs to be on his policy

ANDY

Hello

You will only be covered if he adds you to his policy.

Daft question but have you asked his Insurance how much it would go up if he added you?
Just because you got your own quote for your own insurance which is 5 times what your dad now pays, that is not how much it would cost your dad.
Unless you have bad driving record in U.K most only charge a Â£30 admin fee so ask the insurance company and find out.

If you drive without Insurance you would be in a lot of trouble, 5 Times would be cheap when you next try for your own policy.
You would also leave your dad open to prosecution unless you admitted to Taking With Out Consent (stealing the car even though you have the keys).
If you can talk to your dad see if he would consider changing to a company that would credit you with NCB at the same time. This is a new thing they are doing.
if not you will not gain any NCB whilst you are on his insurance.
Price drop at 21, Big price drop at 24
He probably has a high Insurance Group car so how about your own low Insurance Group car?

Andy C

u'd get in trouble

barbara629

I reside in Florida and it is mandatory to have insurance. I am on my daughters policy but I want to remove myself from her policy. I do not have a vehicle at this time but am only listed as a second driver. Is it possible for me to remove myself without getting my license suspended? Several insurance companies told me different things along with the Department of Motor Vehicles telling me basically they don't know and ask the insurance company. Thanks

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