Daughters car unused while at Uni

silvercar

I found that Admiral have a catagory for "car at home, main driver away at uni during term time" that saved the hassle and cost of adding them to a policy every holiday and enabled them to build a NCD.

flashg67

How much is her car worth? If it's not a lot, are you covered to drive it on your insurance 3rd party only - some insurers still do?

jackieblack

LandyAndy wrote: »

Exacly. The mileage I do in these cars is a small part of my overall mileage, the rest is done in my own car insured in my name. Nor do I do the majority of the miles these cars cover in a year.

Meanwhile my sons have cars that they own and are insured in their names and are building up useful no claims discounts. That is my gift to them that I think justifies the extra premium over what I might get in my name. I was certainly grateful that my parents did the same for me.

When I renew the insurance each year I explain exactly the usage to the insurers and they don't bat an eyelid.

I did the same when my daughter was at Uni. Daughter only needed the car during holidays and while on a few weeks placement during first year. As a named driver I gave the car an occasional run out and it was useful when the central locking on my car malfunctioned and I needed to get to an appointment:D
Insurers were quite happy and daughter got first year NCD under her belt.

jackieblack

handyandy1 wrote: »

Thanks for the quick replies :T
Just been in touch with my current insurers and they don't do a multi-car policy so next step is comparison sites!
I guess I could always get it put in my name....

Remember that (unless you have built up multiple NCD on additional vehicles in the recent past) you can't use your NCD on more than one vehicle at a time.

Richard53

jackieblack wrote: »

Quidquid Latine dictum sit altum videtur
(Revera linguam latinam vix cognovi )

Made me laugh.

sheramber

flashg67 wrote: »

How much is her car worth? If it's not a lot, are you covered to drive it on your insurance 3rd party only - some insurers still do?

But the car is not insured. Normally cover for driving another car is if that car is insured.

jackieblack

Richard53 wrote: »

Made me laugh.

My old Latin teacher would hang her head in despair

handyandy1

sheramber wrote: »

But the car is not insured. Normally cover for driving another car is if that car is insured.

Yes, as I understand it.
Having spent a large part of the day on the phone listening to some awful canned "hold" music, I reckon my cheapest option is to put the V5 in my name, get it insured and taxed so I can get some use out of it, and if she needs it when she's home, take out some temporary insurance.

[edit] seems I can only use my no claims on one car......:mad:

chrisw

handyandy1 wrote: »

I reckon my cheapest option is to put the V5 in my name, get it insured and taxed

There is no need to put the V5 in your name!