Car Insurance jargon and confusion!!!

tapash

Hi all. I am so caught up in the terms used and the way car insurance works... just wondering if anyoneone can shed some light please.

Basically, I have full license for a year now and received a renewal quotation from insurance co. My wife has provisional licence and currently having lessons. I would like to add her as a driver for my car. Now, after using some comparison site, if she becomes the policy holder and add me as additional driver insurance becomes way cheaper than my renewal price.

Now my confusion is, if We take insurance on her name do I also have to have a separate insurance? Or Are we both covered If I am an additional driver? thanks

tapash

Edit: if she takes the policy and add me as additional but main driver...

Quentin

You only need 1 policy to cover you both

Make sure that the insurer your wife chooses will cover her when she passes her test.

Some insurers are happy to insure learners but not newly passed full licence holders

ThePants999

The policy holder should be the main driver of the car. If you do almost all the driving of the car and your wife just drives occasionally, and you set up the policy with her as the main driver and you as a named additional driver, you'll be at risk of having your insurance cancelled/invalidated.

Quentin

ThePants999 wrote: »

The policy holder should be the main driver of the car. If you do almost all the driving of the car and your wife just drives occasionally, and you set up the policy with her as the main driver and you as a named additional driver, you'll be at risk of having your insurance cancelled/invalidated.

It's not necessarily true that the policyholder should also be the main driver.

It is very easy to find an insurer who is happy to sell a policy to you with your spouse as the named driver and main driver.

EdGasket

ThePants999 wrote: »

The policy holder should be the main driver of the car. If you do almost all the driving of the car and your wife just drives occasionally, and you set up the policy with her as the main driver and you as a named additional driver, you'll be at risk of having your insurance cancelled/invalidated.

Utter nonsense, I have done this for many years and with different insurers and never had it questioned. Why would they ask 'Who will be the main driver?' if it always has to be the policyholder?