17 year old on father's insurance

[changedu5ername]

My mother-in-law phoned me yesterday to say she was 'horrified' that my husband is thinking about putting our youngest son on his car insurance.

Our son is 17 and passed his test last week. He wants to keep up his driving experience and DH suggested that he became a named driver on his policy.

I do not drive, but, from what I have read, as long as our son does not drive his Dad's car substantially, there will be no problem. I also understand that DH will be in the car when DS drives it (at least for the first few weeks).

M-i-L seems to be panicking. AIBU to think there really is nothing to worry about if DS goes on his Dad's insurance

There's no problem if he really isn't the main driver but the insurers may not believe it though and premiums may rocket.

Your mil is batshit, there is nothing wrong with being a named driver on your husband’s insurance. Your ds can drive your dh’s car as and when he needs and doesn’t need your dh with him either.

I don't understand what she's worried about happening?

She'll be worried about "fronting":

www.gocompare.com/car-insurance/fronting/

As long as he's not "fronting" there's no issue.

As long as your son won't actually be the main driver and you're adding him as a way to try and get around a big premium in your sons name. It's known as fronting and if they find out the insurers could void or cancel your policy. Which could be a disaster if you have a claim. If it's genuinely just for him to borrow it every now and again then that's ok.

Well it's not her business really is it? I think it depends what car your husband drives. My son was put on my car insurance and given use of my car because I drove an old golf at the time.His dad drives a Mercedes sports car and a massive black 4 wheel drive Merc. ( exh )

When my children were young we saw the result of a teen given a BMW sports car in passing his test and the crash that killed people and burnt down a corner shop. ( We lived near the burnt down shop they crashed into on the teens first night out with his brother who lost control of the car killing himself, his brother and the two oaps )
That crash stuck with me as a horrid warning not to let teens have powerful cars. Is that why?