ChatterBank13 mins ago
Adding named driver
I'm thinking off adding my Dad to my insurance policy to see if it brings down the premium. He hasn't had an insurance policy on a car for a number of years but he does have motorbike insurance. Would that mean it is unlikely putting his name on my policy would have any positive effect on my premium? Do they look at car/motorbike insurance differently?
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I've been getting quotes for insurance for a few months now and have found that if you add someone who has had their licence alot longer, it definitely brings the premiums down. with regards to the relation of bike and car insurance policies, i think the insurance companies just like to relate the 2 in a way that will benefit them. i.e. if you declare that you have 1 years no claims on a bike when trying to get a car policy, it means nothing, whereas if you declare that you had an accident within the last 5 years on a bike, they will happily penalise you for it by bringing your car policy premiums up regardless of fault. I know this probably isn't the sort of information you were looking for but your question just reminded me of it and I had to rant! :-)
No, that's a good point actually Benny. He knows he has no points on his licence but he did have an accident on the bike a few years ago (nobody else involved) and he can't remember if he claimed on his insurance or not. Will need to get him to find out for sure before I speak to my insurance company, I suppose that could make a difference.
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