Boyfriend wants me to put his car under my car insurance

Man's a walking disaster area. If you were my DD I'd be advising you to dump him ASAP before the real financial disasters start and you're now legally linked to them.

It’s quite rare that everyone agrees with the OP but you’ve managed it, @CrossingBoundaries007

Anyone who suggests committing car insurance fraud or asks a single parent to take out a loan for them is a piece of scum. I strongly advise you to end the relationship and stay single until your DC has grown up.

He sounds like a fuckwit. Don’t commit insurance fraud just to save him money.

Exactly! You're subsidising his child's private education but your child gets a state education (nothing wrong with that, it's just an odd inequality).

He does not learn does he. 12 points on his licence. He is irresponsible and constantly speeding. Do not pit him on your insurance.

A good point. Have you ever met the child, ever seen him in school uniform?

That sums it up nicely

And it might be wise, @CrossingBoundaries007 to think carefully before being in any more relationships.
He is not a good'un

I don't believe he has a child in private education. He sounds like a con man playing the long game.

There is a known con.
I borrow £20 off you. Paid back next day.
Month later I borrow £100 for a week. Paid back on the dot.
£500 Paid back in 2 days as pay day....
I get you to do a 10k loan, in your name. You never see me again....

Im not at all surprised he wants to marry you…course he does!! 🫰🏼💰💰💰💰

He sounds incredibly reckless to be honest. He should quit the private school and say he can’t pay or end it before the new term! I wouldn’t link myself with someone so stupid with money it will effect you and you DC in the long run!! Run and don’t look back sounds like an ex boyf of mine lol I got the trainers on and ran. It’s really not fair on you it’s like to hell with your relationship where is your future with him? He’s focusing on his ex partner too much.

He’ll be using OP as a free driver before long, ferry him around everywhere and pay for the privilege!
🙄😵‍💫

Precisely, it’s a well-known tactic for young drivers trying to get their premiums down - get mum/dad to take out the insurance with child as a named driver - and totally fraudulent.

OMG can't believe how you are being taken in by this scrounging spendthrift cocklodger-in-waiting. At the very best (and I'm being generous here) he is hopeless with money, deluded about what he can afford and a crap driver. Splashing out on a luxury like private school when he can't pay his essential bills like rent and car insurance is absolutely nuts! Driving like a maniac and getting multiple points when being able to drive is essential for work, also nuts!

More likely he is just plain old selfish, careless, greedy and out for what he can get. I don't think I believe he pays his ex's rent as well as his own. Surely she'd be entitled to at least some universal credit if she doesn't work/has a low income?

He earns more than you but taps you up for loans and other financial favours!?! Of course he seems "lovely" and "generous" (in small flashy ways I bet) because he has to keep you in the hook somehow.

I'm not even sure what he means by putting his car on your insurance? Do you already have a car and insurance policy? I'm not sure you can add another unless you buy expensive fleet insurance or a second policy. Both those would be ££££. How is he going to pay if he can't afford normal insurance? Is he just expecting you to shell out when he decides he can't afford it?

Either way if the car is insured on "your" insurance you will be pretending it's your car and you are the main driver which would be a lie and insurance fraud. You could get into serious trouble and the insurance would be invalid anyway. Plus as other posters have said, his poor driving will be linked to your insurance risk and force your own premiums up perhaps forever.

Say no to the insurance.
Say no to lending any more money.
Don't live with him (he will leech off you and ruin your credit rating).
Don't marry him. (As above plus he will be entitled to half your assets.)
I'd give him the elbow asap to be honest.

Exactly, don't do it. In the industry it's called Fronting and if found out would cause issues with your ability to obtain insurance in the future.

OP do not marry him. Or even get further into a relationship with him. I would bet my last pot of face cream that his 'good' points would disappear as soon as he thought he'd got you trapped.

Well it is rare that there is consensus on the internet. Everyone with different backgrounds and circumstances are all saying this is a terrible idea.

He is a leach and will suck you dry if you let him. Shoo him along and he will find someone else to latch onto. He did the lovebombing stage and spent money he didn't have on you instead of paying down his debts. Now he has you hooked, he has moved on to the taking everything he can stage. You are better than this, focus on your own child.

I wouldn't agree to this OP, would be like stepping in quick sand. He shouldn't even be asking you to do this. There's a reason you're having doubts about him and if you don't end it soon, your future is going to be filled with sleepless nights at best.

And because you are a single mum, don't do anything which might impact your own children.
You have split with him for good reason - stay split. It is actually okay to be single until/unless you find someone who ticks every box.

Solidarity here on the single mum front OP. 👊🏼 Iv stayed this way nearly 5 years now after a string of awful relationships and I feel much lighter & better & content as a result. This man you describe is making all the right noises purposefully to reel you in (affection, helping round the house) but is an absolute sponger!! A walking red flag, an incredibly irresponsible person. Im actually not sure I’d believe he’s paying the full rent for ex as not only is that bizarre but it’s also highly unlikely with his financial track record. He’s made it up as an excuse for his skintness! To try and look like a good doting dad whose money is being all zapped up for his kids!! (Nah). Even if it’s true that in itself is financially irresponsible!

I could not be doing with a man asking me for money, it’s not even a one off is it? It’s lame and unattractive at best. It’s worrying and dangerous ground at worst. And it will only get worse. I get it’s hard when there are things you like about someone but on balance this relationship is a terrible idea for you & dc! And I believe you know it really. You’ll be proud of yourself for ending it because it’s not easy, I know that-but you can do this! Xxx

“I've ended the relationship several times because of my concerns but he always comes back and I haven't found anyone else who I like 😢”

This statement leaps out at me. It sounds like you feel you need to be in a relationship, any relationship, in order to feel “complete”. Please end this relationship now before he bleeds you dry, and then consider staying single for a while whilst you look at your boundaries and why you feel you need to be with a man in order to feel fulfilled.

Because he appears to be a bottomless moneypit who cannot fund his own life, and if you become entangled with him, he is likely to drag you down with him.

OP has been lending him money ...

I was about to mention OP said she'd refused a loan request, but it seems that was just the latest one - which, having got money before, was probably higher than the ones before

No wonder he's becoming inventive ...