Two cars on my name or one car each?

radoslaff

Hi, just a quick one. We have a car insured on my name and my wife as a second driver. She drives a company car but she's quitting and the car will go. We now need to buy a car for my wife too. We can register and insure the second car on my name and put my wife as a second driver again, or we can register and insure it on her name. Which will be the cheaper option? Obviously there will be no NCB in both cases. Thanks.

bengalknights

Try getting a multi car quote then compare to singles to see which is cheapest

mgfvvc

Your wife may be able to get an introductory NCD or some insurers might be prepared to take into account her driving record in the company car.

If you can find a good broker locally they should be helpful in this sort of situation.

Silvertabby

It's not a question of what's cheaper - if your wife is going to be doing most of the driving in the second car (regardless of who owns it), then she must be insured as the main driver, with yourself as second.

What you are proposing is called 'fronting' - and it's illegal.

pinkteapot

Some companies will give her NCB for having been a named driver on your own policy. Direct Line do this - although it might only be available if she insures with the same insurer as you (which may not be cheapest, even after NCB).

As above, if she'll be the main driver of the second car then she needs to be insured as the main driver. If I remember rightly, that doesn't mean she has to be the legal owner of the car (if you're talking about who to put as the owner on the V5).

Reardoa

Silvertabby wrote: »

It's not a question of what's cheaper - if your wife is going to be doing most of the driving in the second car (regardless of who owns it), then she must be insured as the main driver, with yourself as second.

What you are proposing is called 'fronting' - and it's illegal.

I'm not sure that's what the OP was getting at. It would be very rare that a husband/wife would be fronting unless they were a much poorer risk (convictions/accd) normally that would be dad and son for example. However you are quite right he cant be the main driver of both and must be the other way round.
In reply to the OP you would be as well putting it on your wife's name. If she's a clean risk she should be able to get a high intro discount. She can then start earning her own ncd.

radoslaff

So, it's decided then. I had never heard about fronting before. I suppose that my wife's non-fault accident 1.5 years ago will affect the insurance, but it is what it is.

Reardoa

Fronting is when dad for example is the policyholder and noted as the main driver with his son on to the policy knowing the son is the actually the main driver of the vehicle to get cheap insurance. Obviously this only applies if dad has his own vehicle as well. It is one of the biggest issues in fraudulent claims.