insuring a second car....

DON79

Hi all, we currently have two cars, both are registered in my husband's name and the insurance for the first car is in his name.

He has taken out insurance on the second car and put down his no claims years as five. When he did the insurance quote, he confirmed it would be a second car he owned etc. So he paid the deposit and agreed to set up the direct debit payments as agreed.

Now he has called the insurance company as they are requesting proof of no claims discount in the form of the original letter etc. However this we cannot get from the insurer on the first car to send proof of the no claims discount as it is mid-policy.

When this was explained to the new insurer of the second car, they refused to take the no claims discount into consideration at all even if we could provide proof. They claimed that you have to start to build up your no claims again if you are owning and insuring a second car.

Surely this is not correct?

Also, he has paid the deposit already and agreed the direct debit amounts to be taken when they were fully aware on the quote that this was a second car. Should he cancel now and insist on his deposit back?

would appreciate some advice, thanks!

bengalknights

Dont you have a copy of your renewal letter to send them that should solve it.

paddedjohn

You can only use your no claims that you have built up on one policy at a time so the second insurance company are correct. Start a new policy in either yours or husbands name whichever is cheaper and build no claims that way,

Nearly_Old

paddedjohn is correct in that you will have to start a new policy but different insurance companies deal with this in a variety of ways. We had 2 cars both insured in my name on separate policies with my wife as a named driver on one and she was named as the main driver on the other. At the time we got a 3rd car (60th birthday present from myself) our insurers suggested that my wife take out the new policy and name me as the main driver. They gave her a discretionary discount equal to the full NCD as she had been a named driver for over 10 years. At each subsequent renewal she gets another year of NCD and less discount. So if you have been a named driver on the existing policy as a starting point it would be worth talking to your existing insurers.

lilys-dad

Nearly_Old wrote: »

We had 2 cars both insured in my name on separate policies with my wife as a named driver on one and she was named as the main driver on the other. At the time we got a 3rd car (60th birthday present from myself) our insurers suggested that my wife take out the new policy and name me as the main driver. .

isnt this called fronting? which i was lead to belive was against the law.
taken from the MIB website

Insurance ‘Fronting’ occurs when someone other than the main driver of a vehicle is incorrectly
declared as the policy holder. An example of this would be a parent insuring a car and
declaring themselves as the main driver in order to reduce the insurance premium, when in fact
their son or daughter will be the main user of the vehicle. By doing this, motorists are

committing fraud and under contract terms, could invalidate an insurance policy.

but im not a legal expert so i have no experance or qulifactions to comment on the ins and outs of insurance law.

try somone like adrian flux, admiral multi car ect

rdwarr

lilys-dad wrote: »

isnt this called fronting? which i was lead to belive was against the law.
taken from the MIB website

Insurance ‘Fronting’ occurs when someone other than the main driver of a vehicle is incorrectly
declared as the policy holder. An example of this would be a parent insuring a car and
declaring themselves as the main driver in order to reduce the insurance premium, when in fact
their son or daughter will be the main user of the vehicle. By doing this, motorists are

committing fraud and under contract terms, could invalidate an insurance policy.

but im not a legal expert so i have no experance or qulifactions to comment on the ins and outs of insurance law.

try somone like adrian flux, admiral multi car ect

No, the post stated that the policyholder would NOT be the main driver so there's no fraud committed.

MarkyMarkD

lilys-dad wrote: »

isnt this called fronting? which i was lead to belive was against the law.
taken from the MIB website

Insurance ‘Fronting’ occurs when someone other than the main driver of a vehicle is incorrectly
declared as the policy holder. An example of this would be a parent insuring a car and
declaring themselves as the main driver in order to reduce the insurance premium, when in fact
their son or daughter will be the main user of the vehicle. By doing this, motorists are

committing fraud and under contract terms, could invalidate an insurance policy.

but im not a legal expert so i have no experance or qulifactions to comment on the ins and outs of insurance law.

try somone like adrian flux, admiral multi car ect

If that's from the MIB website, it's a poor show, because it's rubbish.

When it says

Insurance ‘Fronting’ occurs when someone other than the main driver of a vehicle is incorrectly declared as the policy holder.

it means

Insurance ‘Fronting’ occurs when someone other than the main driver of a vehicle is incorrectly declared as the main driver.

(my emphasis)

lilys-dad

here is the link
http://www.mib.org.uk/NR/rdonlyres/6084928F-AD5D-463F-B178-D0DA346C1F4C/0/MIBAvivaFrontingreleaseFINAL.pdf

read it for yourself if its rubbish

i was always told that you cant insure a car ect in your name then name somone else as the main driver and you as the named driver.
sorry but i dont work in insurance and can only go on what i have been told.

if you have 2 cars like we do register 1 in your name and one in the other and take out insrance for each car
my partner is a named driver on my policy and im a named driver on her policy both as regular drivers.

Nearly_Old

lilys-dad wrote: »

here is the link
http://www.mib.org.uk/NR/rdonlyres/6084928F-AD5D-463F-B178-D0DA346C1F4C/0/MIBAvivaFrontingreleaseFINAL.pdf

read it for yourself if its rubbish

i was always told that you cant insure a car ect in your name then name somone else as the main driver and you as the named driver.
sorry but i dont work in insurance and can only go on what i have been told. Unfortunately someone appears to have given you incorrect information

if you have 2 cars like we do register 1 in your name and one in the other and take out insrance for each car
my partner is a named driver on my policy and im a named driver on her policy both as regular drivers.

Unfortunately the MIB description is very badly worded and it is better described by the insurance companies themsleves:

What is fronting? A major problem in the insurance industry at the moment is the issue of 'fronting'. Fronting occurs when a young person is the most frequent user on the car but the insurer is falsely told that a parent is the main driver. This practice has financial and legal ramifications.

The crucial issue is (and has always been) who is the main driver of the vehicle (plus any additional drivers) the details of the policyholder only affect the risk if the policyholder is also a driver of the vehicle.

Our cars are now all on a multi-car policy but we still have to declare the details separately for each vehicle; i.e.

I am the owner of Cars 1 and 3 and my wife is the owner of Car 2
I am the Registered Keeper for all 3 cars (RK is not always the owner)

Car 1: policy in my name, I am named as the Major User, my wife is named as an Occasional User
Car 2: policy in my name, my wife is named as the Major User and I am named as an Occasional User
Car 3: policy in my wife's name, I am named as the Major User, my wife is named as an Occasional User

All of the above is clearly shown on the Policy Schedules

dacouch

MarkyMarkD wrote: »

If that's from the MIB website, it's a poor show, because it's rubbish.

When it says it means (my emphasis)

The MIB's quote was correct although that very clearly worded.