Insurance quote - main driver makes a difference?

[Deleted User]

Herzlos wrote: »

You can (generally) only accrue NCD on a single policy at once, and (generally) NCD aren't recognised if no insurance is held for 2 years, so it's a much better idea to ensure each of you has a policy, even if your usage of the cars is 50/50.

Which is what we do. We each insure a car and name the other on the policy. Then drive both cars equally.

[Deleted User]

forgotmyname wrote: »

Hope you dont have an accident. Because as above are you really the main driver on 2 cars?

How will you explain that one to the insurance when they say we are not paying out?

Like I said, I wont be. But even then its 50/50 usage to be honest.

But look at this way, if I use the car1 on mon, tues, wed and wife uses car1 on thu,fri for whatever reason then it could be said I am main driver. If wife crashes car on thursday how on earth are they going to say its invalid because shes not main driver?

Insurance companies have no way of knowing whos driving the car on any given day? When an accident happens its a snapshot of the situation.

Different of course to someone who insures a car in their name and adds 18 year old son as named driver. Then son takes car to college 200 miles away. Bit easier to prove that its dodgy.

[Deleted User]

InsideInsurance wrote: »

You need to check the issue over NCD.

If this car was previously insured by your wife and she was the main driver then the NCD is hers.

Most insurers state it is the insured that brings the NCD to the party and so you will be fine if she is the policyholder and you are the named driver. Some insurers however decide it is the maindriver that counts not the policyholder in which case you cannot use her NCD and your NCD is tied up on your other car and so you'd have to get a quote with 0 NCD which will almost certainly be much more expensive

No. its not.

Fortunately, like I said, for this car it looks like I will be policyholder and main driver. For other car, wife is already policyholder and main driver.

Merely pointing out that this main driver idea seems a bit strange.

[Deleted User]

Gloomendoom wrote: »

:huh: What is the problem with being the main driver on two cars? I've got three and I'm the main driver on all of them. My wife seldom drives any of them.

Good point Scooby and Gloomendoom. Surely I'm not the only in my situation though? i.e. 2 cars in household, 2 insurance policies and both husband and wife share use of the cars?

Can't see how an insurance company could ever prove there was abuse here and one used the car more than the other? How on earth would they ever prove that unless they staked out my house every day? Even then, I could use the car every day for 5 months, then wife could use it every day for 7 months so over the year she'd be main driver.

I'm sorry but unless insurance companies put firm rules in place, then surely in law, common sense would prevail (i.e. that with husband and wife they both use the two cars).

[Deleted User]

KeepFighting wrote: »

I would suggest you look at a multi car policy may be cheaper for you. I would say you do have to be careful in a small accident no one is probably going to be concerned but if you make a big claim rest assured that the insurance company will become suspicious and check. You could talk to insurer that way you will get the right answer and should have no problem.

multi-car was expensive unfortunately.

Like I said be interested how they could define main driver and how they could even check something like this? Surely, main means drives more than the other person but apart from that there are zero restrictions. More miles, more times, more days? who knows eh?

Be interested if anyone knows of any insurance companies who've ever tried this one on?

Thinking about it - I claimed a year or so ago whilst driving the car insured in wifes name and who was listed as main driver. I'd taken it to work (and had done all that week). Paid out a claim for £5500 (dodgy person claimed whiplash but thats another story) - didn't even question it why I was driving.

Aretnap

Clifford_Pope wrote: »

Isn't it now illegal to quote different amounts purely on the basis of gender?

Yes, but they can still differentiate based on age, driving experience, accident/conviction history etc - presumably he's not identical to his wife in every respect except gender.

[Deleted User]

Aretnap wrote: »

Yes, but they can still differentiate based on age, driving experience, accident/conviction history etc - presumably he's not identical to his wife in every respect except gender.

Very similar to be honest LOL. 3 years age difference. Both one fault claim in last 3 years. no convictions. both passed test 20+ years ago.

Of course, they dont know but I am the better driver! ;-)