Can I be first driver on 2 policies?

consumer

Hello,

I am trying to get quotes for my renewal car insurance policy. I've got 2 cars to insure and have got 8 yrs NCD. My wife does not have any NCD.

Quotes are higher if my wife is first driver, since she has 2 incidents in her name (One fault and one non-fault incident).

If I am first driver in both the policies (and claiming for NCD on any one of them) and my wife as second driver, quotes are cheaper.

If I take up both policies with me as first driver, and my wife as second driver, does it invalidate the policy? Is there any problem with that approach?

Thanks

LeeSouthEast

Not a problem at all. 2 vehicles, 2 policies.

Look into grouping. Some insurers give an additional discount for insuring more than 1 vehicle with them (Direct Line and Admiral immediately spring to mind. There may be others).

Quentin

There is no problem being the stated main driver of your 2 cars.

There could be if you were saying that and it wasn't true!

adamc260

If your the 'main driver' on both policies and really your wife is the 'main user' on one... that's fronting! Mostly done for younger drivers but, same rule applies!

"So What Is Car Insurance Fronting Really?

Car insurance fronting is the tactic used by young and new drivers to reduce their insurance premiums. By allowing an experienced driver to become the main driver on their insurance policy, they significantly lower the premiums they will pay. Fronting has been made illegal now because it presents a much higher risk for the insurers than what they have quoted you for. To them, the main driver should be the one using the car most of the time and any additional drivers should be driving occasionally. It is on this basis and the fact that an experienced driver is less likely to be involved in an accident than a young driver that the premiums are considerably cheaper"

Taken from http://www.fancyacar.co.uk/car-insurance/fronting/

consumer

I'll be driving both the cars more than her...based on annual mileage.

adamc260 wrote: »

If your the 'main driver' on both policies and really your wife is the 'main user' on one... that's fronting! Mostly done for younger drivers but, same rule applies!

"So What Is Car Insurance Fronting Really?

adamc260

As long as your the MAIN user for both vehicles then I can't see it being an issue

But if your wife uses one car more than you would... she would be the MAIN USER

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But how do you "calculate" who the main user is? The number of trips made? The time spent as the driver? The mileage done?

I would never class it as fronting if the OP wanted to name themselves as the main driver on both policies. It's an insured and spouse policy. Both equally entitled to drive the vehicle. Sorted.

adamc260

Quote wrote: »

But how do you "calculate" who the main user is? The number of trips made? The time spent as the driver? The mileage done?

I would never class it as fronting if the OP wanted to name themselves as the main driver on both policies. It's an insured and spouse policy. Both equally entitled to drive the vehicle. Sorted.

Well if he uses the car once a week and his partner uses it 5 times... i would consider her the main user... it's really just common sense :S

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If the PH were to die would you let the wife have the no claims discount?

adamc260

Quote wrote: »

If the PH were to die would you let the wife have the no claims discount?

It's not really the question being asked here? I'm sure if he rang up C/S and explained the situation they'd transfer it, don't really know, I work in claims

lisyloo

it's really just common sense :S

It's really not that easy for some couples Adam.
I share a car with my husband.
We share the car to work. Sometimes he drives, sometimes I do.
If I had to guess I'd say it's 50/50, but if it was 53%/47% doesn't mean we would be fronting, just haven't written it down and added it up.

I think one thing not covered so far is that the OP cannot use the no claims discount on two seperate policies.