Car insurance - general question

didsbury_red

Husband and I have just bought a new car, he is the registered keeper but the insurance will be in my name. Husband also has fully comp insurance on our other car.

Do we both need to be named drivers on each others policies or will our own insurance cover us in the event of any accidents?

Also, my husband had an accident this year which was his fault. The other driver made a claim on my husbands insurance. Do we need to declare this for the purpose of him being named as an additional driver on my policy? The price comparision web sites don't seem to have categories which fit this criteria ie WE didn't make a claim on our insurance, but someone else did.

Any advice on how best to get a competitive quote appreciated. Thanks

Quentin

You need to be named on both policies.

You are only covered third party for driving other peoples cars.

You do need to declare additional driver's claims.

You should be able to still get quotes - the answer to the question is yes, one claim (in respect of the claim you mention).

raskazz

The 'driving other cars' benefit, if provided under a policy, offers third party cover only. For both drivers to be comprehensively covered on both cars then both drivers would have to be named on both policies.

You need to give details of the fault claim against your husband. Technically your husband did make a claim - he claimed indemnity which the insurer provided by settling the third party's claim.

36D

Another one you may need to look out for is the early termination penalty if you change insurers when buying another car. I just Did as my current insurer refused to lower the premiums. I took my business elsewhere who quoted me £100 less. I phoned my current insurer who said I now must pay them a penalty. ( I'll make it back in 4 months ) but watch that one!