'Any driver' policy cheapest way to go?

jem1276

I have a lease car through work and my insurance with that does not insure me to drive other cars.

My husband has a car insurance due for renewal and has 8 years no claims discount and a clean licence.

I had 2 claimable accidents last year in my lease car and 3 points that have still not expired.

I need to be able to use his car occasionally.

Are there policies for 'any driver' over 30 that are reasonably priced or are they just financially beneficial for young drivers?

nickmack

jem1276 wrote: »

I have a lease car through work and my insurance with that does not insure me to drive other cars.

My husband has a car insurance due for renewal and has 8 years no claims discount and a clean licence.

I had 2 claimable accidents last year in my lease car and 3 points that have still not expired.

I need to be able to use his car occasionally.

Are there policies for 'any driver' over 30 that are reasonably priced or are they just financially beneficial for young drivers?

I'd probably get some quotes with you as a named driver to see if they're really that bad.

There are some policies available often used in the motor trade for 'any driver' but the excess is often high to discourage most claims.

Quentin

You could see if a broker can come up with anything, but you probably will be better to be just added on a temporary basis on the occasions you will be driving it (assuming it will be very infrequently).

(It's v.good of him to trust you with his NCD!!)

shelly

If your husband doesn't already I'd advise him to pay for NCB protection if you are going on a policy of his. My hubby always pays for NCB protection and was glad he does when I made a claim on the policy.
Also don't forget to declare your points and claims when getting quotes as a named driver on his policy.

Quentin

If he doesn't have protected NCD and you have a claim, his 8 years will drop to just 3!

Anihilator

I'd fully expect an any driver policy to have exclusions based on claims and points.

I had one several years ago and they expected regular drivers to be named and licenses supplied and also said that those with a certain number of points or claims couldnt drive without their authorisation of which of course they often refused or demanded an extra premium for - they branded it as those excluded had to be named drivers.

Quote

Anihilator wrote: »

I'd fully expect an any driver policy to have exclusions based on claims and points.

I had one several years ago and they expected regular drivers to be named and licenses supplied and also said that those with a certain number of points or claims couldnt drive without their authorisation of which of course they often refused or demanded an extra premium for - they branded it as those excluded had to be named drivers.

This is very true. Any driver cover is a bit of a misnomer. It's usually provided on the basis that any unnamed driver is over a certain age, has had a full license for usually over one year, is fault or non-fault claim free for three years and conviction free for five years.

nickmack

Quote wrote: »

This is very true. Any driver cover is a bit of a misnomer. It's usually provided on the basis that any unnamed driver is over a certain age, has had a full license for usually over one year, is fault or non-fault claim free for three years and conviction free for five years.

I'm not sure if they're now generally available outside the trade. The policy I used to be covered under at a dealership AFAIK only had the restriction all drivers had to be 21 years old. However, the excess was £10,000!

I nearly found this to my cost when I damaged the brand new vehicle I was driving to the tune of £1200. Needless to say, they only made claims very rarely, the only occassion I remember is when a £60,000+ car was stolen from the dealership.

jem1276

Ok thanks then, will stick to named driver and look for the best deal.

He is as worried as you are about his NCD and it is protected, thanks for the advice x