Named drivers on insurance

[Maydup]

OH and I have a car each. We each have our individual insurances and are also covered to drive any other car as long its not owed by us.

Under than element of the policy do we really need to be named drivers on each other's policies? ie I could drive his car as I don't own it. Not sure if there'd be much of a saving financially?

Also how many people take out legal cover? Is it worth it?

[Buenchico]

Your 'any other car' cover is only third party.

If your policies are 'fully comp' that means that relying on the 'any other car' provision to drive your spouse's car would lose the cover on damage to that vehicle.

Further, adding another driver doesn't always increase a premium. In many cases it actually decreases it. (For example, a 17yo driver adding an experienced parent as a 'named driver' on their policy will typically see their premium CUT by 20% to 30%).

Removing the 'named driver' cover on your policies won't gain much (if anything) and could lose you a lot. Further, relying on on the 'any other car not owned by you' provision could be challenged by an insurer who might regard spouses (or partners living together as spouses) as being joint owners of their possessions.

Chris

[Maydup]

Thanks Chris , good to get someone elses opinion.

I'm comparing insurance costs at the moment for OH car cover. I was down as named driver for a comparison quote and then I took myself off , next I
re-added my name and quotes are much cheaper second time around!

[Dodger666]

My wife and were named drivers on each other's cars. When my policy was due for renewal a couple of years ago I asked how much I would save if I took my wife of my policy as a named driver as she "never" drives it. The answer was nothing, so she stayed on.

[d9f1c7]

When I added the Mrs it saved me over £100, so it may be worth doing just for the savings.