Boyfriend wants me to put his car under my car insurance

Why should you is the question.
It depresses me that so many women fall for this shit from supposedly "really good men". He isn't good when he is clearly living beyond his means and has 12 point on this licence as well.

Steer well clear of anything like this and his debt which no doubt will be the next request.

He's a dangerous driver - if he already has 12 points I'm surprised he still has his licence. I'm not sure how honest he is being here.

He can't manage his money.

He wants you to commit insurance fraud - another example of his dishonesty.

He is love bombing you because he sees you as an easy fix to solve his financial issues.

Run, run as fast as you can.

I wouldn’t share a car insurance policy with anyone again. I shared with a family member in the past who had a crash, and it was as though I’d had it too - my premiums skyrocketed.

No way would I be voluntarily sharing with someone who has already proven themselves to be an irresponsible driver with 12 points on their license, plus who can’t afford it. It’s too big of a risk for you and DC to be enmeshed with that. A decent person wouldn’t even ask you!

Excellent point there @FourLastSongs If he struggles with the fees now he will be fucked after the election.

Completely agree with everything written previously. Just to add that unless it’s a very unique or niche private school the fees will be £7 a TERM (and about to go up by 20% but that’s another 1000 threads). My DC is a day student at an ordinary London private school and the fees are £26,000 a year.

If he can’t afford to insure his car he needs to be in contact with the council about an in year transfer to a state school asap or talk to the bursar at the private school to see if any bursaries available. But bursars tend to look unfavourably on people who are just plain bad with money.

12 points on his licence.
Mountains of debt.
So many red flags, trust your instinct.
If you saddle yourself with someone else's debt it will hang around you forever.
Look after yourself and yours OP.

Far better to be alone than with someone who is going to drag into stressful financial chaos. Don’t feel like you need to be with anyone for the sake of being in a relationship! You will be all the readier when the right person appears for knowing you don’t need to be with a partner to be happy.

This guy sounds like a walking red flag. And 7k for a private school doesn’t add up either annually or monthly. Is he being truthful with you?

This just about sums it up.

The small requests for financial assistance will soon turn into bigger ones and before long your credit rating will be as bad as his as he invariably defaults on various credit agreements. Personally I would hide all your bank statements and existing cards while you plot an exit strategy.

You know that the school fees are most probably going to rocket up after the election by 20 per cent?

I don’t know how old his child is but have a quick google of the fees and work out how much he intends to spend on that. It will be in the 10x of thousands. That’s money he can spend because you will be propping him up. You will, in effect, be paying for his child’s private education. But not your own.

i would not be surprised if the child will have to leave. So, where would they get the best school place? Do you live in a good catchment area? I can see the emotional request now; ‘Can I register the child as living with you? So we’ll have to move in for. A bit…”

As all the PP have said …RUN!

Well 12 points is an automatic ban so he shouldn't be driving and I'm not sure why he should have discussed putting his child in public school with you as it's nothing to do with you

If you tie yourself financially with this man, he will drag you down with him and marrying him would be insane

I also read divorced with 3 kids and thought hell no.

You would be absolutely stupid to do this knowing full well his financial struggle and bad debts. You cannot be that foolish??

He's using you op.

A decent man would not ask you to do this. He's asking you to do something illegal that will increase your insurance premiums to "help him out" If he really cared about you it wouldn't even cross his mind.

Men who borrow money from single mums make me ill. I don't care if he pays it back. Are you very well off yourself? How long have you beem together?

This man is a financial red flag. If you value you and your childs future don"t tie yourself to him in ANY way.

In th UK - We get 3 points minimum for each offence e.g 3 for speeding, 3 for each bald tyre etc.

Please don't fund this man any more. He's a cocklodger waiting to happen. You're making excuse after excuse for him... of course he's going to be nice to you; he wants your money and somewhere to live, and by the looks of it he's happy to drag you down with him into debt.

He isn't going to 'see how well you manage your money and learn from it' he's going to see access to your savings.

As they say on MN... the hills are that way 👉👉👉👉

It’s hard to feel you’re not helping someone who presents as in need. You sound like a kind person and he sees that a mile away.

however you don’t know enough about this man. You really don’t. Have you spoken to his ex to verify anything he’s told you?

he’s started already with he can’t pay bills, rent, car and such and asking you to do something he knows is a detriment to you.

think of your own child here. You are a fantastic single mum with a savy financial brain and doing well……he sees that. Don’t lower your standards because this man says he wants to marry you (how? He’s no funds and can’t pay any of his bills).

dont ruin everything you’ve worked hard for to help a grown man do something you know you shouldn’t because of a bit of companionship.

his sob story is designed to escalate ie no bills or rent paid = no home ….so where to live next….no money for car so no car = who pays…..

say no. you’ve given him great advice to speak to CAB and his refusal to do that is enough of a tell in regards to where he really sees his this going…..please don’t ruin what you have built for you and your little one.

As others have said, you insuring his car in your name in order for him to get insurance/cheaper premiums is fraud. Do not do that.

he’s in a right mess with that now - he will have to declare he’s had his insurance cancelled and it will affect him going forward. Best thing he can do is to go back to his insurers and beg them to reinstate but that is NOT YOUR PROBLEM TO SOLVE.

He needs to stop paying his exes rent, and send his children to state schools. Many of his financial problems would immediately be resolved.

12 points???
God almighty.
If you get 8 points on your license within 36 months in California, you risk losing it.
Please use your common sense, OP..
This is a terrible idea. Everyone is telling you it’s a terrible idea. Please listen.

Don't do it, if there's an accident his fault or not. You will have to declare it on your insurance for the next 5 years putting your premium up. I'm also sure this is illegal and it used to be called fronting. These are 2 perfectly good reasons for not doing it.

I would do what most other posts say and get rid of him, he might be nice but he has far too much baggage.

You cannot have him on your insurance as a named driver to get cheeper insurance when he is the owner of the vehicle and he is the main user. It's insurance fraud.

As a side issue this will be a test. If you agree to this there will be something else he needs you to pay for.

He sounds irresponsible, nothing attractive about it op

I think you already know you can't do this for him. He will start racking up points on your license if you do this.

Soon enough he will be moving in with you and you will be spending a lot more money on him. The end of the day, you have your own child/children to think of so you are not in a position to be financially responsible for him, especially when he's already spending most of his money on his own children. There is no way you should risk your financial security so that he can continue paying for his kid to go to private school!