To be mildly shocked at DF only insuring one twin on car?

[Partyrocks]

DF* has 18yo twin girls.

The both passed the driving test within a week of each other. And grandparents have bought a Car for them to share.

As insurance is so expensive, DF and her DH and the grandparents made a decision to just insure one daughter. With the thinking that if anything happened to the uninsured one it'll all be fine as they'll be able to pretend that they're the insured one.

The girls are going to same University and taking the car.

The girls are fully aware and a literal coin was tossed to decide which one would be It.

AIBU to think this is not on?

• [Post edited by MNHQ. OP had originally typed DD, when she meant to type DF (dear friend)]

@Fulmine

Is this friend known for stupidity, OP?

Hopefully one of the twin's isn't!

If it won't cost that much extra to add another on, why don't the twins & their parents look into funding that?

Is it something you can report? At least to the DVLA or 101, see what they say?

I am aware of an incident where the police caught siblings (not twins) for fraud spewing because they were aware that the one who it was claimed was driving, wasn’t even in the country (the other already had several points and was trying to avoid sanctions).

How much is the insurance ffs? Why doesn't the parent insure in their name with kids as named driver

Or Cant the twins get a bloody job and save up between them for the orher half of insurance

Dont be silly

Dont report it to dvla and 101 has nothing to do with driving. Tell your girls they can't take the car until both are insured

@Weareallvirgins

Dont report it to dvla and 101 has nothing to do with driving. Tell your girls they can't take the car until both are insured

I doubt two 18 year olds are going to listen to stranger who tracks them down and tells them not to drive their car.

If it illegal activity isnt for the police to deal with then it also isnt for the OP to deal with. Why would she track down the children of a woman she sometimes sits in a groups to tell them not to drive?

Who are the 5% here who think this is ok ???

So the girls swap driving licenses so that the insured girl's license is always with the one driving the car? Otherwise, if the uninsured one gets stopped by the police and they see her real license then she will be facing a 'driving while uninsured' charge before you can say 'buy more insurance'. Of course, being in an accident would be a catastropheeverything would come outbut even a casual police stop for any reason at all could land the uninsured girl in a world of trouble. I appreciate that insuring an 18-year old is expensive, but this just seems stupid. the consequences of getting caught totally outweigh the benefits.

@BoredZelda

FFS totally illegal and invalidates the insurance for both of them!

The insurance for the insured twin won’t be invalidated.

Not necessarily true. They would be falsely claiming that one person is driving the car. It’s failure to disclose a material fact.

Sounds like the plot of a shit ITV crime drama. Shock twist ending- it was twins!

That means the one twin would have to accept any and all consequences for the other twin's driving.

This is all kinds of wrong

Shockingly bad idea, cheap arses!!

@YDBear

So the girls swap driving licenses so that the insured girl's license is always with the one driving the car? Otherwise, if the uninsured one gets stopped by the police and they see her real license then she will be facing a 'driving while uninsured' charge before you can say 'buy more insurance'. Of course, being in an accident would be a catastropheeverything would come outbut even a casual police stop for any reason at all could land the uninsured girl in a world of trouble. I appreciate that insuring an 18-year old is expensive, but this just seems stupid. the consequences of getting caught totally outweigh the benefits.

You dont need to carry your license whilst driving in the UK. If you get stopped, you've got 2 weeks ri present your license.

Even if you give a fake name, theyll take the details of your car and everything so you cant just disappear and have no consequences.

So the uninsured twin would give her sister's name and then get her sister to present herself with her license and take any consequences.

It's just an awful thing to do.

Just done a search on confused. com and it seems to be the same to insure two 18-year-olds as it is to insure one.

LICENCE LICENCE LICENCE.

This is not America.

@HaveringWavering

LICENCE LICENCE LICENCE.

This is not America.

Yes. But autocorrect. And I'm not waiting time correcting autocorrect for a silly forum post.

Why so your autocorrect set to US English?

But I wasn’t specifically singling you out @BeforeGodAndAllTheFish. The use of “license” as a noun (or worse, calling it a “driver’s license”) is a plague in the U.K. these days.

You know that people all over the world use this forum, yes?

Outrageous behaviour. One child will have NCD and the other not.

Driving without insurance is shockingly common. Some seem to think it’s optional. 😳

My DH worked in insurance for a short time. He says that the cost is based on risk and how much time the person is likely to drive.
In this situation you can insure other people who have been driving much longer to bring down the cost.
Also moving cost of cover from £6000 to £5999 moves it into a different bracket.

In this situation you can insure other people who have been driving much longer to bring down the cost.

Yep - I added my mum to my car insurance in my late 20s, and it halved my premiums. Seemed weird to me, but I was completely upfront about who lived where, where the car was being kept, and how often she was driving it, so just assumed it was a quirk of their algorithm.

@Changechangychange

It’s because in theory the novice isn’t driving the car 100% of the time.

Also the cost bracket always shocks me! Literally a £1 or 2 and it changes the premium.