Named driver question

Muscle750

As it stands im only on my wifes car insurance as a named driver i do not have my own policy on any car. I find im using her car more and more of late due to reasons i wont go into. I know this situation as listing a named driver and them actually been the main driver is called "fronting" and is illegal. So im just wondering can you have two names on a policy that are both classified as main drivers or do i have to go down the route of insuring the same car in my own name as a main driver. Ive been in situatiopns of late where ive been asked to drive other peoples cars which i have had to say no because i dont obviously have my own policy.

DCFC79

Muscle750 wrote: »

As it stands im only on my wifes car insurance as a named driver i do not have my own policy on any car. I find im using her car more and more of late due to reasons i wont go into. I know this situation as listing a named driver and them actually been the main driver is called "fronting" and is illegal. So im just wondering can you have two names on a policy that are both classified as main drivers or do i have to go down the route of insuring the same car in my own name as a main driver. Ive been in situatiopns of late where ive been asked to drive other peoples cars which i have had to say no because i dont obviously have my own policy.

I think you should get yourself added as a main driver driver, whether you can have 2 drivers as the main drivers I don't know (not heard of it so Id say no). A conversation to be had with the insurer.

Aretnap

The main driver is simply the person who drives the car most often. You can't really have two main drivers because there will always be someone who drives it more than the other - though sometimes the usage might be approximately equal. In that case it doesn't really matter who is listed as the main driver as if the insurer wanted to refuse a claim on the ground that the main driver had been incorrectly declared it would be down to them to prove that the named driver used it more - and if you honestly can't say which of you uses it more hire is the insurer ever going to prove it?

If you're married then which of you is the main driver will likely make little or no difference to your premiums unless there is an unusually large age difference between you (or some other reason why one of you is much higher risk than the other) and in fact many insurers will actively not care which of you is the main driver. Fronting is mainly an issue when parents dishonestly claim that they teenage children's cars are actually mainly for their own use, in order to get cheaper premiums. If you think that you are using the car more than your wife then phone up the insurer to tell them: likely as not they'll shrug or at worst charge a small admin fee to note the change, and you will have it on record that you have been scrupulously honest.

Buying two policies on the same car mostly means that you will be paying for two policies instead of one, and as you will presumably have no no claims bonus of your own to use on the second policy, you will end up paying well over twice what you are paying now. There is no real reason to do so unless the driving other cars cover is particularly important to you. Only you can say whether it's worth paying several hundred pounds extra on the off chance that you want to drive someone else's car with third party only cover one day. If there's someone else's car that you want to drive regularly you are almost certainly better of asking them to add you to their own policy as a named driver.

[Deleted User]

Aretnap wrote: »

Buying two policies on the same car mostly means that you will be paying for two policies instead of one, and as you will presumably have no no claims bonus of your own to use on the second policy, you will end up paying well over twice what you are paying now.

Additionally, if both policies cover the event that raises a claim (and the policies are with different companies), each company will only pay their share of the claim.