There will be some people who may be in a financial position to purchase a classic car as a birthday present for a sibling that will be driven in the main by a young son or daughter. If you purchase such a classic car then you will need to make sure that it is insured.

You will probably find that to insure say an 18 year old son or daughter to drive a classic car is more expensive than to insure yourself. This is because, statistically, a young, inexperienced motorist is more likely to be involved in a road traffic accident than a mature, experienced driver.

Unfortunately, there will probably be some parents, having purchased a classic car for a sibling that they will drive more than say yourself, decide to arrange classic car insurance with themselves as the main driver and their sibling as a named driver. This is known as fronting and could lead to a criminal conviction for insurance fraud.

In addition, you could be fined, get penalty points on your driving license and may find it more difficult and a lot more expensive to arrange classic car insurance in the future. Furthermore, in the event if a claim, the classic car insurance provider could refuse to pay out thus leaving you in a very difficult financial position.

So, if you are going to purchase a classic car for your son or daughter and they are to be the one doing most of the driving, make sure that they are put down on the policy as the main driver and you as an additional driver if you are going to be driving the vehicle. Yes, it may be more expensive to insure the vehicle but that is better than fronting classic car insurance and finding the insurer will not pay out in the event of a claim.

Why not get in touch with us today for a competitive classic car insurance quote.