Question about insurance on 2nd car.

mrs_sparrow

At the moment we have one car, registered to myself but that both my husband and I are insured to drive. My husband has a work van which he cannot use outside work, just brings it home but wrk pay for the insurance. He has never had a claim in it.

Now we would like a 2nd car.

We have been with the same insurance company for, maybe, 10 years with one car on the policy. I had a claim 4 or 5 years ago because something ran into the side of my car and it was badly damaged so we had the work done on it. We had protected no claims, insurance company have never increased the premium for this.

Does this mean for the 2nd car we have to start over with 0 NCB or will our current insurers let us have a discount? Am I right in that I need to have documented evidence from the insurance company of NCB? Which I cannot have if using it on another car. And would it better my husband or I have the policy for another car. It will only be a run around costing around £1000. How does it work please?

tomuk_82

Who's the main driver on the current car? They are usually the ones who have the NCB however some insurers allow you to build you No Claims Discount as a named driver.

Even if this wasn't the case with your insurer, you could always either;

A: Use someone like 'Admiral car insurance' who give discounts for insuring 2 cars.
B: Use the same main/named driver setup that you have on your current insurance therefore keeping your no claims discount.

In addition, the current insurers would have a record of the new claims discount so need to provide the proof of no claims again.

The best bet is to call your insurers...

mikey72

mrs_sparrow wrote: »

At the moment we have one car, registered to myself but that both my husband and I are insured to drive. My husband has a work van which he cannot use outside work, just brings it home but wrk pay for the insurance. He has never had a claim in it.

Now we would like a 2nd car.

We have been with the same insurance company for, maybe, 10 years with one car on the policy. I had a claim 4 or 5 years ago because something ran into the side of my car and it was badly damaged so we had the work done on it. We had protected no claims, insurance company have never increased the premium for this.

Does this mean for the 2nd car we have to start over with 0 NCB or will our current insurers let us have a discount? Am I right in that I need to have documented evidence from the insurance company of NCB? Which I cannot have if using it on another car. And would it better my husband or I have the policy for another car. It will only be a run around costing around £1000. How does it work please?

Usually, the second car would be the one you normally drive, if you keep the first one in your husbands name.
It's easier to register it in your name, insure it in yours, if you are the main driver.
A lot of companies would offer you insurance taken out in your name, and give you an introductory discount based on you driving experience, ie equal to 4 or 5 years ncd.
If the existing company won't, or aren't competative, try the Co-op, or Direct Line.
(If you have been with the same company for a long time, it's worth trying Go-compare or similar at renewal, just to check they're still reasonable)
You may or may not be able to move yours after a year, depending on what ncd they state on the renewal notice, eg, it could be 1 year, or 5.

mrs_sparrow

Thanks for replying, I am the keeper and main user of the first car - he is a named driver but rarely uses it as I always tend drive.

The 2nd car would be 50/50 driving really. Whoever is the main driver will also be the keeper, we have not got it yet, was trying to work out what it was best to do and whether it was worth it. I got a quote on a £1000 landrover and it was coming out at £700 FC on Confused. I just put in the reg numbers from vehicles I found on eBay that we might have been interested in.

The reason I have not moved is because of the claim which is just coming up to 4 or 5 years old (I have to dog out the paperwork) - an animal ran into the side of my car and caused loads of damage so no-one to claim against but it cost around £2500 to get sorted so I thought it would be easier to stay with my insurer as they did not increase the price at renewl - and it's a really good price as well, any reduction would be minimal to be fair.

mikey72

mrs_sparrow wrote: »

Thanks for replying, I am the keeper and main user of the first car - he is a named driver but rarely uses it as I always tend drive.

The 2nd car would be 50/50 driving really. Whoever is the main driver will also be the keeper, we have not got it yet, was trying to work out what it was best to do and whether it was worth it. I got a quote on a £1000 landrover and it was coming out at £700 FC on Confused. I just put in the reg numbers from vehicles I found on eBay that we might have been interested in.

The reason I have not moved is because of the claim which is just coming up to 4 or 5 years old (I have to dog out the paperwork) - an animal ran into the side of my car and caused loads of damage so no-one to claim against but it cost around £2500 to get sorted so I thought it would be easier to stay with my insurer as they did not increase the price at renewl - and it's a really good price as well, any reduction would be minimal to be fair.[/QUOTE

That makes it more complicated.
If he is insured on the present car, but with you as main driver, an insurer would expect him to be main driver on the second car.
But usually you insure youself as main driver.
Any thing else raises the question of fronting, and it isn't as clear cut then.
You could consider letting your husband take out a second policy on the new car, but it would be better to price transferring his policy to the new car, with him as main driver, and getting quotes for you as main driver on the old one with an introductory discount, as you've been main driver on it for years.