Can I insure my son on my car even though he isn't the owner?
I am about to upgrade my car and would like to gift the old car to my son. He cannot have a car in his name due to financial issues and a strong likelihood of having it repossessed, is it possible for him to insure it in his own name as the named main driver without me insuring it as I will have a new car to insure and want to use no claims on the new vehicle. What happens if he has an accident? Will it impact my no claims even though I am not insured on it but am still the owner?
Asked on 21 January 2026 by Wendy
Answered by
Rhydian Jones
The owner of the car doesn’t have to be the policyholder - if your son is the main driver of the car, he should have the policy in his name, and you as a named driver if you are likely to use the car. Having you as the policyholder, and your son as a named driver if he is the main driver of the car would be considered as fronting and is a form of insurance fraud. If your son is the policyholder then any claims made on the policy will not affect you, even if you are a named driver. Claims will only impact the policyholder.
Tags:
insurance
no claims bonus
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
After over 50 years of driving and accruing 22 years NCD I unfortunately had a minor motor accident. Although when I took out the policy I provided proof of 22 years NCD my insurance company would only...
My son in law will be moving from Texas later this year. He has 10 NCB with his car insurance company. Will he be able to transfer his no claims bonus to his insurance company here?
I used to own two cars. On one, I never had any claims but I did on the other. I no longer have the car that had no claims made on its insurance. My car insurance is up for renewal and it shows the claims...
Elsewhere on 
