Car Insurance - named drivers

[mjbrowne]

My wife is a named driver on my car insurance. She occasionally drives my car.
I am a named driver on her car insurance. I occasionally drive her car.

Are we wasting money?

Should I be driving her car on my insurance and vice versa?

[Keith]

You'd only be covered 3rd party via your insurance. I find my partners policy is cheaper because I am on it, so it may not be worth removing the other from the policy

It may be worth considering a multicar policy though.

[Hintza]

Probably notallowed.

But it raises a point:- "Why do the insurance companies not issue household/family policies?"

Much more sensible

In our house I own and insure the smaller car she has the bigger car but she takes the smaller car to the station. The next question they want to know is which car do we each use the most. On a time in her possesion then it is reversed in mileage covered it is more ambiguous.

[wdyw]

Depends which company you are with! A lot of companies will still increase your premium if you add a second driver while a lot (and seemingly more every time I check at renewal time) will charge you less if a second named driver is added to your policy (if you become ill, tired, pi$$ed up, you have someone else to drive). Of course, it all depends on the recent driving history of you and the 2nd named driver but for ourselves it knocked about $50 (who stole my pound key?) off the same cover with only myself named.

[Keith]

Probably notallowed.

But it raises a point:- "Why do the insurance companies not issue household/family policies?"

Much more sensible

In our house I own and insure the smaller car she has the bigger car but she takes the smaller car to the station. The next question they want to know is which car do we each use the most. On a time in her possesion then it is reversed in mileage covered it is more ambiguous.

As a youngster, say 10 years ago, my Dad insured his car so that all 3 of us kids could drive it along with any other driver under the age of 25. I've no idea if anyone still does that.

We are a bit naughty at the moment, I insure the Ka my Mrs drives to work and back (her as named driver) with 2 years NCB on an accelator policy. Whilst my fun weekend car, is insured in her name with full NCB and me as named driver. We rarely drive each others car and it's technically fronting, but ;). All change next month when I gain 3 years NCB and both cars on a multicar policy

[Keith]

(who stole my pound key?)

Control Panel > Regional Settings and Language

Click Languages, then details, select United Kingdom and remove the US keyboard :)

[wdyw]

Control Panel > Regional Settings and Language

Click Languages, then details, select United Kingdom and remove the US keyboard :)

££££££ Yeah!!!! thanks Keith!

[redux]

My broker told me that cover for driving other cars on your own policy is intended only for unforeseen or emergency use, hence the third party cover only, and insurers will investigate claims where they suspect abuse in these circumstances.

So stick with defining the other drivers on yours.

[Conor]

We are a bit naughty at the moment, I insure the Ka my Mrs drives to work and back (her as named driver) with 2 years NCB on an accelator policy. Whilst my fun weekend car, is insured in her name with full NCB and me as named driver. We rarely drive each others car and it's technically fronting, but ;). All change next month when I gain 3 years NCB and both cars on a multicar policy

It's not technically fronting, it's out and out FRAUD and you're in fact committing a criminal offence by making a false statement. In the event of an accident, if the insurance company get wind of this which they quite often seem to do, you'll suddenly find that they've revoked your policy and you find yourself being sued for the payout as well as explaining to the Police why you weren't insured and why you lied to the insurance company.