Insurance

[mandy.unwin]

Is it legal to be a named driver on my sisters car, even though I use the car more than her.

[Ethel]

No - insurance fraud is a criminal offence.

Zurich said the practice was actually known as 'fronting', adding that it was insurance fraud to insure a car in one name and add another person as a named driver, when this person was actually the main or only driver.

[JB]

As long as your sister has identified you as the main user of the car, then the insurance is valid - regardless of whose name it is in. 'Fronting' is only an issue when the proposer (in this case your sister) misleads the insurer. So, if your sister says that she is the main user (lets say she's 30, full clean licence and full no claims bonus) and you are an occasional driver (say you are 19, just passed your test) then the premium will be mainly based on her - but if she has told the insurer that you are the main user, then the premium will be based on you.
As far as 'legally' goes then regardless of what she has stated on her insurance proposal, if you are a named driver then you will be covered for the minimum legal requirement - RTA cover.

[Pragmatist]

it totally depends on what you declare to the insurer - I have always owned all of my husband and my cars - primarily because I have gone and collected them and completed the Reg Docs, and never bothered transferring them to him - and then when arranging insurance advised them much as I owned, and insured - he would be the driver - main driver - and I could on occasion drive(my nerves can't cope with his driving!) - but my other car would be mine, he's never allowed to drive mine! - this year I am with 2 different companies i.e. he is with one and I am with another(SAGA!!!) and no problem whatsoever ---- just do not lie to them! you are only shooting yourself in the foot. and could end up with loads of probs - if you can't get this agreement shop around!