Building up no claims

Thandarsoe

Hiya

I am 31, have just passed my test and I am a named driver on my husbands insurance. He has full protected no claims so it is a cheap option
It is about 400 pounds more to insure the car in my name but at least it will let me build up some no claims
The questions are:
Should I go it alone from now or should I build up some driving experience first?
Can he be the main driver on 2 cars without having multi insurance?

Thanks for your help

Thandar Soe

R3negadeuk

Hi Soe,

I am not too clear on this, but I think it is fine that your husband would be the main driver on 2 cars with you as a named driver on both. But the main driver is supposed to be the main user. If an insurer has reason to believe that you may be a main user, they could get really funny or even revoke the policy(or both) for fronting.

Fronting happens a lot. I drove for my first 3 years on my dads policy as did my brother. All of us were oblivious that it is was against the insurance ts n cs. I think most people find out the hard way.

Even if you were to speak to an insurer and refer the the car as "my car" when your husband is the main policy holder, alarm bells may ring and then the underwriters will start looking into it.

From your post, you have got a good 40 years+ driving ahead of you, so the quicker you can build up your own NCD the better.

bouncydog1

When your husband is completing an application form for insurance he will have to declare whether he has the use of any other vehicle (question on the form).

Unless the policy is for him only to drive (which it won't be as you will be on as a named driver) insurers will immediately become suspicious. He also won't be able to use the same bonus on both vehicles unless he can find an insurer (perhaps his own) who will mirror the bonus on a second car. However they may not do that if you are the main driver.

In a nutshell your husband has to declare who the main driver is. If he says it is him, when it is really you, insurers have the right to cancel the policy for non-disclosure of a material fact. Best option is for you to insure the second car in your own name - try existing insurers on your husband's car - they may give an into bonus, a 2 car discount and a restricted driving (husband/wife discount) on both cars helping to keep the cost down. You will have to ring them as unlikely that websites will quote all of this.

Also check out a few sites with you as main driver, no bonus and husband as additional driver on your policy.

Quote

Since when did insurers really care that much about an insured and spouse policy? I've been out of the private car game for about four years, but I didn't think things had changed so radically since then. And fronting? On and insured and spouse policy? Seriously?

Someone tell me I'm not going mad.

jw2003

Quote wrote: »

Since when did insurers really care that much about an insured and spouse policy? I've been out of the private car game for about four years, but I didn't think things had changed so radically since then. And fronting? On and insured and spouse policy? Seriously?

Someone tell me I'm not going mad.

My oh works abroad so last year, in conversation with our insurance company, we decided to insure the car in his name because no claims are lost after 2 years of not being used. I drive the car, I'm the owner of the car. It does sound like fronting to all intents and purposes but I was up front with the insurers about our requirements and they were happy enough (so in a long waffly way I am agreeing with you lol)

OP - give them a ring and find out what your options are. Is no claims really that important to you? We have our own policies because we (a) usually run 2 cars, one each and (b) we already had them when we got together. Maybe a multi-car policy could be the right option for you