car inshurance

chrisw

LV= 

As above, once you've input 2 drivers it asks which one will be the main driver and their relationship to the registered keeper and legal owner.

Aretnap

I think the point is made, but I checked AXA's website and lo and behold they also let you choose which of the drivers you have entered details for will be the main driver 


When I took my current policy out with Direct Line they took a slightly different approach. They didn't ask who the main driver was, but their assumptions said "you *or your spouse or partner* will be the owner, registered keeper and main driver of the car", ie they actively didn't care whether the main driver was me or my wife. Looking above, they seem to have changed their approach since. 

DB1904

Sandtree said:

Fairly common but no one can name any insurer?

RichardD1970 said:
As far as I remember there's always the question "Who will be the main driver", with an option of selecting any of the drivers named. 

Looked through about 30 different companies websites over the weekend (work related, not this) and not a single one has the option to declare the main driver so would be interested where you are looking to "always" see this @RichardD1970

Which ones did you look at?

Ive had it with more than, admiral, direct line, city insurance being the ones I can readily recall and the comparison sites allow you to do so.

BOWFER

Sandtree said:

BOWFER said:

Sandtree said:

he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

How on earth would they know who the last driver was, and what is the relevance when a digger hits the car when they're in the house?

It was a standard FNOL question at the second insurer I worked at... who was the driver... if the vehicle was parked/unattended etc then who was the last driver. You couldnt progress to the next screen until the driver field was populated.

Is this still a thing?
I'm really struggling to see why the last person to drive the car is even remotely relevant in a situation where the car is hit when parked.

user1977

BOWFER said:

Sandtree said:

BOWFER said:

Sandtree said:

he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

How on earth would they know who the last driver was, and what is the relevance when a digger hits the car when they're in the house?

It was a standard FNOL question at the second insurer I worked at... who was the driver... if the vehicle was parked/unattended etc then who was the last driver. You couldnt progress to the next screen until the driver field was populated.

Is this still a thing?
I'm really struggling to see why the last person to drive the car is even remotely relevant in a situation where the car is hit when parked.

Possibly just to fish out "fronting" cases e.g. if claims seem to always arise when it's being driven by someone other than the main driver, that might give rise to suspicion that it's really the other driver who normally uses it.

Sandtree

BOWFER said:

Sandtree said:

BOWFER said:

Sandtree said:

he was the last driver of the vehicle and so they've recorded it against him rather than the policyhoder as a minority of insurers do

How on earth would they know who the last driver was, and what is the relevance when a digger hits the car when they're in the house?

It was a standard FNOL question at the second insurer I worked at... who was the driver... if the vehicle was parked/unattended etc then who was the last driver. You couldnt progress to the next screen until the driver field was populated.

Is this still a thing?
I'm really struggling to see why the last person to drive the car is even remotely relevant in a situation where the car is hit when parked.

With that company? Potentially not as I know they moved from their own inhouse developed system to Claim Centre a good few years ago so someone would have had to make the active decision to keep it as a mandatory field in all AD/TP claims but cannot say for definite. 

Its probably of little interest and it did cause a headache if it had been driven by a non-named driver (say under DOC of another policy) prior to being hit whilst parked an unattended... but then that system caused a lot of headaches when fire or theft claims then had a third party claim made.