Insurance

[MORELLO]

Is it possible to have two seperate policies for two seperate cars, both in my name, with neither affecting the other? I have a policy for my own car, with six years no claims on it. My partner, a new driver, is hoping to buy a small car soon, with the only problem being the price of the insurance. I was thinking of taking a policy out in my name as I am older and have held a clean license for ten years. I could then put her on this policy as a named driver, which has got to be cheaper? When trying to get quotes online, I'm asked the expiry date of my current policy, suggesting it's only possible to have one policy, with whatever additions/amendments in my name...?

[jake-the-peg]

That is certainly what is meant to happen about NCBs.

However about 8 years ago I did get one company (Norwich Union) who agreed to apply my NCB from my car to a new policy for a camper without terminating my original policy.

Could be he was breaking the rules to get the business and it could be that if you shop around and ask innocently enough you might find someone willing to do the same.

But bear in mind that insurance records are much more computerised now so you may be unlucky.

[Impret-Sir]

It is also true that if your partner has cause to claim on the insurance, with her being a named driver, the insurance company will ask some seaching questions about who was, in fact, the main driver, her or you, if they suspect it was her, then they will be difficult.

[WoWo]

"I'm asked the expiry date of my current policy, suggesting it's only possible to have one policy. "

They ask this firstly because it may change the premium but also to get information out of you so next time it's due they can bombard you with letters/e-mails/phone calls.

I'd agree with Impret-Sir but it may be well worth the risk. We have one car which is in my wifes name as I have never owned a car and therefore have 0 no-claims. I had an accident last year (not my fault) and they didn't ask any probing questions about who drives what and when.

[Jay70]

You can Morello.  Churchill will do it.  My two cars are both registered in my wifes name and insured under her name but I'm a named driver under both policies.

[PhilLew]

I have two policies for two different cars, cos I own two cars! it's not that unusual and most companies will do it, however I bought a car for my wife a few years back and the company I was with at the time offered me a deal as an existing customer bringing them new business whereby me wife would get the same ncb as I had on my policy as she had been a named driver.

It's probably worth asking them

 

Good Luck

[ShellyHall]

With regard to the "main driver" of the vehicle, I insured a car few years ago with my now ex-Husband as a named driver.  He was the main driver and I told the insurance company this.  They had no problem with this, although they did say that I was right to tell them to stop any problems if we had a claim.  We subsequently did need to make a claim and everything was fine.

I've always found that if you're upfront with them they treat you fine.

[amron]

hi morello, as long as you are the registered owner and keeper of both cars you can take out insurance in your name on them both. Your partner won't build up no claims bonus in her name this way. You may find that as other people have said she could get an introductory discount or as there will be 2 cars in the home a second car discount mirroring your no claims.If you put them both in your name the insurance company will as who is the main driver of each car and the qte will end up being based on this fact along with other things like age, occupation, postcode etc

good luck in getting a good price

[spammylou]

I have two policies both in my names, and get a BIG discount on the second policy because I already have one with the same firm. In effect, I pay the same amount on both policies on identical cars, my husband drives the other one, as a named driver. By the way, Norwich Union Direct.

[Solarjunkie]

The co-op insurance - CIS - is often very good for new drivers, by several hundred pounds in the case of one lad I know! So your partner may be better starting to work up no climas bonus in his own name,

[Petra P]

remember with motor insurance that the the truth is the best policy. It is possible to to have two policies,

Have you read Zen the art of motorcycling? think not of what you may save in premiums, but what you will not lose in the event of a fraudulent claim..........trust me Ive been there...