Question from a family memeber car insurance named driving status?

topcat007

Hi all,

A relative has asked if i could ask this question here , so any help appreciated

"Can you explain on a car insurance policy the different options a named driving status can be?"

I am not sure what this means myself as i do not have a car but hoping someone may understand

Thank you very much

--edit and would there be a massive cost difference between the options

Also apologies for the bad spelling posting on phone

rs65

The question doesn't mean much. Can you ask them to word it a different way?

dacouch

Is he asking in relation to a young driver or a driver who has recently passed their test by any chance?

CKhalvashi

dacouch wrote: »

Is he asking in relation to a young driver or a driver who has recently passed their test by any chance?

If yes, if he's second driver on one car, make sure he's the main driver on another, if he's driving regularly.

Anything else will be construed as fraud not only in an accident, but if the driver gets stopped at the roadside and the police do some digging.

InsideInsurance

The only "options" for a named driver is if they are declared as a main driver or not. For websites that sell car insurance this option isnt normally revealed and it is one of the assumptions that the policyholder is the main driver.

What price impact there would be would depend on the relative risk ratings of the different drivers. Declaring the highest risk driver as the main driver will increase the premiums the most but sometimes its cheaper done this way with them as a ND but declared main driver than having them as the policyholder.

System

CKhalvashi wrote: »

If yes, if he's second driver on one car, make sure he's the main driver on another, if he's driving regularly.

I don't think that is true. A named driver on a policy can still be driving regularly without having to be a main driver on any policy.

A learner who gets regular practice in his parents' car does not become a main driver.
My wife regularly uses our car for shopping, ferrying children, etc. But I am the main driver because I commute 80 miles a day 5 days a week.

InsideInsurance

Clifford_Pope wrote: »

I don't think that is true. A named driver on a policy can still be driving regularly without having to be a main driver on any policy.

It isnt necessary but helps provide evidence that it isnt fronting. With a husband/wife and both being experienced drivers its not something an insurer is likely to ever look into. Parent/child with one being experience and the other just passed their test then it will be looked at much more closely, especially if there is an accident when the inexperienced young driver was using the car to get to school/work

CKhalvashi

InsideInsurance wrote: »

It isnt necessary but helps provide evidence that it isnt fronting. With a husband/wife and both being experienced drivers its not something an insurer is likely to ever look into. Parent/child with one being experience and the other just passed their test then it will be looked at much more closely, especially if there is an accident when the inexperienced young driver was using the car to get to school/work

On top of this, the young driver is building up NCD, meaning cheaper insurance the following year (enough of a discount in many cases to buy a car with)

topcat007

rs65 wrote: »

The question doesn't mean much. Can you ask them to word it a different way?

Finally got some sense out of them :rotfl:

They mean what are the options for a second named driver is there different classes such as "casual" use?

InsideInsurance

topcat007 wrote: »

They mean what are the options for a second named driver is there different classes such as "casual" use?

Not normally

I have known a broker to occasionally discount slightly if you have a conversation with them and claim a high risk driver is just an occasional user but I suspect this is just them sacrificing some of their commission to reduce the rate or such as (a) never seen it from the insurer back end and (b) the time a friend got the same there was nothing on the paperwork that turned up.

thegreenone

When you say casual use are you referring to a child home from uni. and needing a car for a part time job?


My insurance company will insure my son on my car for, say, a week at time with a maximum number of weeks per year, can't remember how many. We haven't done it as it wasn't necessary in the end but I think your relative needs to talk to their insurance company.