Swapping cars with partner

Quentin

Kernel_Sanders wrote: »

I wonder how I managed to misunderstand that :think:

Ignoring your misplaced sarcasm, you also look to have misunderstood that there is a difference between a "policyholder", a "named driver" and a "main driver"!

Kernel_Sanders

Quentin wrote: »

Ignoring your misplaced sarcasm, you also look to have misunderstood that there is a difference between a "policyholder", a "named driver" and a "main driver"!

:wall: Well I thought there was always a difference between the policyholder and the named driver until you yourself implied otherwise, i.e can be the same! Alternatively, the policy holder can obviously also be the main driver, so no difference there, either. I think you need to look back and re-read the posts (like I have done) because you don't appear to be making much sense.

Quentin

Not with you on this??? (Again, ignoring your head banging emoticon!)


You quoted a post in #11 (explaining that the policyholder gets the NCD) which you say confused you into thinking the policyholder could also be a "named" driver??

Kernel_Sanders

Quentin wrote: »

Not with you on this??? (Again, ignoring your head banging emoticon!)


You quoted a post in #11 (explaining that the policyholder gets the NCD) which you say confused you into thinking the policyholder could also be a "named" driver??

Erm.. yes I did.

Or are you trying to say that "irrespective of whether or not the PH is the main driver" doesn't imply that the policy holder could be something other than the main driver??

Trentenders

He’s saying that the policyholder and named driver are two different things. Either can be the names driver, and you can tell your insurer if the main driver changes.

The policyholder gets NCD typically on their policy, even if not the main driver.

hollie.weimeraner

Me and my wife did this 2 years ago. We swapped cars due to job changes so basically when we insure the cars I own car A and my wife car B. I inform the insurers I am the main driver of car B and my wife is the main driver of car A.

There was absolutely no change in cost and we both keep the relevant NCD as we are both named drivers on our own cars and the insurance is for our own car is in our own name.

BTW we insure both cars with Aviva

Quentin

Kernel_Sanders wrote: »

Erm.. yes I did.

Or are you trying to say that "irrespective of whether or not the PH is the main driver" doesn't imply that the policy holder could be something other than the main driver??

That is correct - the PH doesn't have to be the Main Driver (and couldn't be if the PH was (eg) a limited company


The policyholder is the person/company etc that buys the policy,


Named Driver(s) are individuals covered by the policy to drive (in addition to the Policyholder)


The Main Driver is the main user of the car, and can be anyone covered by the policy

Firsttimebuyer26

That's right, the Main Driver is the main user of the car, and can be anyone covered by the policy