1 car 2 drivers 2 policies

double_clutching

Hello, I have been searching on the internet and this forum but so far I haven't find any answer that is definite.

My wife just passed her driving test this month and I'm now trying to put her under my policy as an addition driver, since I'm doing most of the driving anyway. However the company (citroen insurance) refused to do so because her license is less than 1 year old.

Now I'm thinking about getting her covered under a different policy from a different company, in that way she can build up her own NCD (thought I think many company now days allow named driver NCD). I managed to get quotes from internet, but this will mean I will have 2 policies for 1 car. I heard all sorts of answer for doing this, some say it's legal but complicated if make a claim, some says it's outright illegal.

Or, I can cancel my current policy with Citreon and get a new policy with my wife as a named driver altogether, but I'm already more than halfway passed this year, it will be a waste of 8 months to build up another year of NCD, but maybe I can carry it over to my new policy?

Any comments, feedbacks and tips are highly appreciated!

forgotmyname

Highly illegal 1000 years in prison breaking rocks 23 hours a day, Sacrifice all your 1st borns for then next 1000 years etc etc etc.. NOT REALLY. It is legal.

But there can be issues. Say your car gets damaged whilst parked which insurer pays out? It maybe a case of both having to claim.

Either get a new policy or get her a cheap run around and start her own policy. Adding you as a named driver may decrease the costs for her.

New drivers are a risk. She may lose you your no claims. Excess is usually higher and any protected no claims may not be with an inexperienced driver.

double_clutching

forgotmyname wrote: »

Either get a new policy or get her a cheap run around and start her own policy. Adding you as a named driver may decrease the costs for her.

New drivers are a risk. She may lose you your no claims. Excess is usually higher and any protected no claims may not be with an inexperienced driver.

If I'm to start a new policy, will I be able to carry the 8 months I have already spent with Citroen to a new policy or do I have to start with month 0? Thanks.

iBeast

how many years ncd do you have if its high then it might just be best to cancel as one extra year wont effect quotes as much

InsideInsurance

By the sounds of it you are a relatively new driver too, NCD is a relatively difficult concept for people to grasp unfortunately.

NCD works on whole policy years only, so you wouldnt get any credit for a part year if you were to cancel the policy. There are some 10 month policies that do give you a full years NCD but you still have to complete the complete policy to get the NCD

As to dual insurance, perfectly legal, however expect headaches for any non-accidental damage claim if the insurer does their checks properly as several policies have exclusions if another policy is in force. You wouldnt end up without cover but may end up with a claim against both policies after a lot of arguments

double_clutching

InsideInsurance wrote: »

NCD works on whole policy years only, so you wouldnt get any credit for a part year if you were to cancel the policy.

Thanks for the info, it clears things up a lot for me.

I was away from this country for quite a while so I only have 1 year NCD and I would really like to build up my NCD. I have resolved the problem by having a new policy from a different company for my wife while retaining my current one. It seems quite a waste for me to cancel it with only 4 months left, and in this way my wife can build up her NCD too. Thanks for the help everyone.