Can two drivers be insured as 1st drivers on a car?

whitecloud663

If for example your partner is the registered owner, the policy older (first driver) can someone else also be the first driver of that vehicle to build their NCB? Or can they only be named (second driver) of that vehicle?

Horseunderwater

Ask yourself this question: Who will be driving this car the most? That is normally who would be main driver, but if a driver needs to build up NCD they can be listed as main driver & policy would be in their name. However the premiums may be higher.

19lottie82

You can only have one "main" driver, as that is who drives the car the most, so it's impossible to have two "main" drivers.
Some insurers allow additional drivers to build no claims though.

DUTR

whitecloud663 wrote: »

If for example your partner is the registered owner, the policy older (first driver) can someone else also be the first driver of that vehicle to build their NCB? Or can they only be named (second driver) of that vehicle?

No, because that would involve having two policies against a vehicle, which underwriters do not like to occur.

19lottie82

Horseunderwater wrote: »

Ask yourself this question: Who will be driving this car the most? That is normally who would be main driver, but if a driver needs to build up NCD they can be listed as main driver & policy would be in their name. However the premiums may be higher.

Not normally, always.

If the person who drives the car the most is named as an additional driver instead of the main, then that's providing false information on an insurance application.

jimjames

19lottie82 wrote: »

Not normally, always.

If the person who drives the car the most is named as an additional driver instead of the main, then that's providing false information on an insurance application.

The policyholder taking out the insurance doesn't need to be the main driver. If that was the case then the question on policies asking who is the main driver would be irrelevant.

As long as you identify who will be the main driver then that's fine. To be honest they're more likely to be worried if the person wanting to build up NCD was the additional driver as that would lower the policy cost and is known as fronting. Paying more for the policy so the policyholder can build NCD wouldn't be the case.

Spicy_McHaggis

whitecloud663 wrote: »

Yes I'm Darkmatter101.

Incorrect, my dad drives an old Toyota.

Look who it's if folks.

Lungboy

jimjames wrote: »

The policyholder taking out the insurance doesn't need to be the main driver. If that was the case then the question on policies asking who is the main driver would be irrelevant.

As long as you identify who will be the main driver then that's fine. To be honest they're more likely to be worried if the person wanting to build up NCD was the additional driver as that would lower the policy cost and is known as fronting. Paying more for the policy so the policyholder can build NCD wouldn't be the case.

Fronting would be the additional driver actually being the main driver, wouldn't it? I'm the policyholder for my insurance, but also the additional driver with my wife as the main driver. This is purely to keep my NCD intact, and next year the policy holder will swap but it will still be her as the main driver and me as additional. As far as I'm aware that's not fronting. Aviva seemed very happy with the arrangement, as it would be much cheaper for me to be the main driver.

RichardD1970

I am the owner, registered keeper and policy holder for our car.

My wife is a named driver and because she uses it 7 days a week and I only occasionally at weekends, she is down as the main driver.

InsideInsurance

whitecloud663 wrote: »

If for example your partner is the registered owner, the policy older (first driver) can someone else also be the first driver of that vehicle to build their NCB? Or can they only be named (second driver) of that vehicle?

For most insurers its the policyholder not the main driver that earns the NCD. There is only one person that earns true NCD on one policy. As others have mentioned some insurers do offer NDNCD to named drivers but this is basically locked to them so means can only be used as a discount on a new policy with that insurer.

Spicy_McHaggis

InsideInsurance wrote: »

For most insurers its the policyholder not the main driver that earns the NCD. There is only one person that earns true NCD on one policy. As others have mentioned some insurers do offer NDNCD to named drivers but this is basically locked to them so means can only be used as a discount on a new policy with that insurer.

I wouldn't waste your time on a darkmatter thread.