Questions on insurance??

crispy

::)

I work for a home and motor insurer and can answer questions, if posed nicely, on general bits of info if needed.

Hopefully help those who like me until I got my job, knew nothing about insurance.

Cheers.

trafalgar_2

Hi crispy,

That's very good of you  ;)

I have a question for you.
If I am main driver on one car with one insurer...............and main driver on another car with another insurer....................do they both have to be told about each other.

Oh and welcome to the site ;D

crispy

Thanks for the welcome. Browse site a lot and took the plunge on the forum today.

You have no obligation to inform an insurer of any other policies you are named on.

Only sitiuation would be if somehow they both ended up covering the same accident which I cant really see happening.

Things you have to tell companies are called material facts are : convictions, claims, occupation etc..

Nothing about other cars you drive although some insurers rate your policy premium on how many cars are in your household.

Hope this helps.

payless

BUT my experience is that most companies when asking for car quote , ask
" do you have access to another vehicle"

and once asked surely you need to answer correctly


and so whilst may not be directly asked at renewal , does this make it a change in circumstances - even mid term ?

crispy

Generally if they are asking about other cars it's just a rating factor and really only affects young drivers.

With changes to material facts they need to be told to companies at inception of a policy and renewal although if its a positive change e.g moving from crime ridden inner city to countryside paradise, tell them straight away.

Some changes need to be told immediately but these are quite obvious- things such as selling your car, being banned or leaving the country.

trafalgar_2

Thank you crispy ;D

lisyloo

Hi crispy,

Welcome to the site.
Perhaps you can answer this one which came up the other day and we couldn't agree on.

Let's suppose I own my own car and have my own insurance which says I can drive other cars (not owned by me) under 3rd party cover.

If I get a 2nd car but put it in my husbands name (so it isn't owned by me). Then can I drive this second car without getting any additional insurance i.e. the 2nd car is only ever driven on the 3rd party section of another cars insurance.

Is this legal?
We discussed it the other day but didn't come to any conclusions.
Perhaps you can set up straight.

Thanks

crispy

No problems.

Bit of a disclaimer like Martin but I have not worked for every company and can't comment on gauranteed practices. I do have some insurance qualifications and can comment and facts that are universal such as material facts etc..

happy to help.

crispy

In reply to lisyloos-

legally you could drive the car but couldn't get it taxed.
You wouldn't be able to park it on a public road without tax and would not be covered for any damage to the car it self.

You could however drive the car from driveway to driveway and not pay road tax. although, of course, I dont condone this.

would have to be a banger though.

Cheers.

payless

So if already taxed , this would be OK until tax runs out?

crispy

yep.

you wouldn't need separate insurance cover unless parked on a public road.