Boyfriend wants me to put his car under my car insurance

You can be insured on a car you don’t own. I’m not sure what he’s proposing actually - that the OP pay his insurance or that she is the main named driver and he is an additional driver. But his premiums would still be high.

@CrossingBoundaries007how old is your child and how long have you been seeing cf.

You do realise he's full of shit and telling you a pack of lies?

He is not pleasant, he's asked her to commit fraud.

His insurance status would be investigated next time he speeds, or has an accident or looses his license. You will be found to have committed fraud, as that is what it is. He is the main driver of the car, not you. You will be held to account for it. Do you really want that on your insurance record forever, plus you will have a criminal record. Imagine what that will do to your future employability. You won’t be able to get insurance, you won’t be able to hold a job that you need to drive to. This is not to mention the stress it will cause your own children. He knows all this, yet he is asking you to do it. This man doesn’t give a stuff about you.

None of this adds up.

The private school fees amount, the fact that he chose the school and she didn't know even though she is primary carer. Even the fact that she's in rented accommodation and he's paying...

Doesn't make any sense.

So his ex's rent is paid in full and his child is in private school but he can't afford his rent or car insurance. If he can't afford his own rent why is he paying for someone else's? Maybe he should be speaking to his ex first about her starting to support herself unless the rent payment is in place of maintenance. If he's paying maintenance then he shouldn't be paying her rent as well.

You're risking your own insurance by putting him on it. 12 points? Really? He needs to start being a bit more responsible and until then it's not up to you to bail him out. Do you really think this will just stop at car insurance? It won't. There will be something else and before you know it he'll have moved in with you and you'll be feeding him and his 3 kids. Meanwhile he'll still be paying his ex's rent.

Keep your finances totally separate from this huge problem. Is he currently driving without insurance? How is he getting to work? If he's already got 12 points, he should be banned. Does he even have a current valid licence? Run away.

Of course you can. You just have to inform the insurance company.
It is however necessary to put him as the main driver, otherwise it’s fronting.
The company would suss you out v. quickly.

If you do this (which you shouldn't) you could be liable for paying it all or even possibly refused insurance for yourself. Could YOU cope with no car insurance?

You do realise if you do this his next move will be not being able to pay rent - so he will move in with you. Then he won't be able to pay half the bills... This would mean YOUR child would be subsidising a strange man, a strange woman, and three strange kids all because their mother fancied a man. Grow a pair and tell this future cocklodger NO. Better yet WE ARE OVER. Seriously OP, we see your situation time and time again. Be a real mother and consider your child first. Every single time.

What the FUCK. Actually get rid of this guy, now. He’s literally just using you.

You can't insure a car if you don't own it - you have no insurable interest. He would need to transfer the ownership of his vehicle to you. Regardless of this, I wouldn't recommend it. He needs to sort it out. Also, having an insurance policy forcibly cancelled is something that needs to be declared on any new insurance policies he may take out.

If you enjoy his company and you aren't wanting more, he could be a pleasant boyfriend.

Just don't subsidise him for anything, don't get married, and don't let him move in. Keep your legal and financial stuff completely separate

The loan request should have been your signal to leave that relationship. He will just keep taking and taking from you and your DC.

So he fully intends to treat his other children differently. Ok. And knowing full well that he couldn't afford it anyway because he doesn't have a stable reliable income and already had a terrible record for driving offences, he still thought this was a good idea? Come on, she just went along with it? I hate to break it to you but they both would have attended the initial induction meetings together. He probably hasn't told you that though..

He said he did it cos he passed 11+ but wasn't offered a place due to catchment

That doesn't sound right to me. Someone come along and tell me grammar schools are catchment-based. I'm not in the uK.

If he's asking you to insure the car in your name, so that he can get a cheaper premium having previously had insurance cancelled, and you/he don't plan to tell the insurance company that he has insurance cancelled then that's fraud- it's misrepresentation. You can't insure a vehicle you have no financial interest in in your name.

You also do not want your insurance record associated with someone who has had insurance cancelled. There's an excellent chance that it will cause your premiums to increase and if the insurance company finds out and cancels the new insurance, you'll have committed fraud too for fronting the policy for him.

God knows why you're wasting your life with this loser.

This man makes poor decisions.

He pays his ex wife’s rent which means he can’t pay his own = poor decision.

He puts one of his children in a private school he can’t afford = poor decision.

He hasn’t paid his car insurance so he’s now driving around without insurance = poor decision.

He has almost lost his license due to speeding - even though he needs his license for his job = many poor decisions.

His solution is that you put his insurance under your name and you pay the insurance. WTF?!

My understanding of insurance is if a person is doing something reckless or illegal and they cause an accident the insurance won’t pay anyway. But why would you pay insurance for someone who is reckless in a car and speeds? Your premiums will go through the roof if he causes an accident!

You would be very very silly to even consider this. Personally, I don’t think he’s paying his ex’s rent - I think he’s not earning the money to sustain himself or he’s gambling. He should be paying child support though.

You need to say no. This is highly inappropriate.

You absolutely need to say no. And keep him at arms length. The fact that he is chaotic and impulsive with money (and clearly with other things too eg speeding) make it a generally bad idea for you to entangle your life with his. So keeping yourselves fully separate financially is vital. No harm having fun with him if you like him. Make absolutely certain you won't conceive a child to him (double up contraception) and don't ever consider living together. If you entangle closer your own child will be the first victim of the chaos that descends.

You’re being completely unreasonable if you DO pay! It looks like he hasn’t got his shit in a sock and he’s making it your problem with his poor life choices. Once you invest in his poor choices you start owning the consequences too.

If you’re prepared to go into debt, struggle to pay for your child’s expenses, perhaps obtain a poor credit rating yourself - along with the stress that’ll contain - fill your boots - bail your bf out.

If the insurance is in your name you have to be the main driver, if he's the main driver it has to be in his name or it will be invalid. You would be deliberately fronting his insurance to get a cheaper quote that he cannot get because of his terrible driving.

Good for you, how did he react?
Don't you find it annoying that he's already come back to ask for another favour?

He seems to just take and take from you op.

All of this. I’d call red flags on the whole relationship really, but I’d certainly say no to putting him on your insurance.

I think you need some distance between him and you. I think he will keep asking until in a weak moment you say yes.

There is a national shortage of trades people so he shouldn't be short of work.