All drivers insurance

How to avoid damage

■ Take extra care on secondary roads and when the road is wet, which might conceal water-filled potholes. Debris such as grit and stones on the road surface may indicate the presence of a pothole.

■ If you see a pothole, make a note of where it is, its approximate size and depth, take a picture with your mobile phone if safe to do so. Then report it to the relevant highway authority (usually county or local council). Drivers cannot claim for damage to their cars caused by a pothole unless the authority has been made aware of it.

■ If you hit a pothole stop as soon as possible in a safe place for a visual check of your car, especially tyres and wheels, and get them checked by a professional if you are concerned – keep the receipt to support any insurance claim.
Insurance

The cost of car insurance is rocketing. According to price comparison site Confused.com, the cost of premiums rose by 38.2% in 2010, taking the average premium to £695 – meaning drivers are now paying nearly £200 more than they were at the beginning of 2010. The biggest rises came in the 51-55 age bracket, with parents adding children to their policies as named drivers accounting for the bulk of that increase – no surprise as desperate parents seek to reduce the insurance costs for their cash-poor offspring.

Many parents have resorted to "fronting" to escape the spiralling costs of insurance for younger drivers. Fronting is, according to the Association of British Insurers, the number one temptation for those trying to get cheaper car insurance. Parents insure a vehicle in their name as the main driver, with their son or daughter listed as an occasional driver when in fact they are the main user.

More than half of motorists questioned by the ABI in January said they would not rule out doing this, despite the fact it is fraud and could invalidate their insurance and lead to a criminal conviction.

The European courts are expected to rule shortly on whether gender can be used for underwriting insurance policies, including car cover. If they ban the use of gender, it is expected to push up the cost of insurance for women drivers.

Answer
insurance on the vehicle The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someones car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured.