Insurance - access to other cars question

martyp

Hi all,

I don't know what the honest answer is for the question about access to other cars for insurance quotes as an example below:

I own another car but it's offroad (SORN), I'm a named driver on my Dad's policy for his car and also I can use and have access to a company car if needed although probably not for personal use except for maybe urgent need. So ultimately at least 3 of those apply to me.

From changing the options it seems as though company car gets the most discount but trying to choose something honestly as it is something that affects the premium and it seems like it may go down the list from lowest to highest discount.

Anyone any suggestions?

400ixl

As the other car is SORN's then you don't use another car you own. Named driver on another car is the sensible option.

Grumpy_chap

It would seem to me, from what has been said, that "company car excluding personal use" is the most appropriate.

You don't have the use of another car as it is SORN.

I assume the named driver on your Dad's car is a "for emergency" thing only and not something you do regularly.

The company car (non personal use) is something you use regularly and quite possibly reduces premium by a lot as it means you are not using your own car in peak hours or when there is time pressure.

400ixl

Company car is can use if needed, so it is not their company car by the looks of it.

Grumpy_chap

400ixl said:

Company car is can use if needed, so it is not their company car by the looks of it.

It is all down to how exactly things are read from the OP.  I read it that the OP has a company car for work use only but could use for personal use in an emergency - e.g. hospital run but his own car in the garage for service...

The same applies to the "named driver on Dad's car".  Again, I assume it is something that does not really happen ever, but that may not be correct.  

elsien

Would it not just come down to which car do you have for your own use that you use the most?

born_again

Do you have any insurance on the SORN car?

martyp

Thanks all for the replies, to try and cover as many of the queries as possible:

1) My car that is SORN doesn't have insurance on it (MOT expired a few years back) but registered and owned by me

2) My Dad lives the other side of the country and he added me mainly for a holiday but more of an in emergency situation and if needed when I see him so not a regular thing

3) The 'company car' is a pool car which I am insured on at work should I need to use it for work puposes but haven't actually driven it as use my own car usually if needed (have selected business use).

I know many 'bend the truth' a little as with the occupation chooser to get the quote down but in this case I feel I could technically choose one of a selection without fibbing. I feel like it could be better displayed as multi-selection rather than a single drop down although unsure how important a correct answer is on that as there are so many other parts in insurance quotes that people can enter inaccurate details in. I knew someone that would say his mileage was tens of thousands less than he actually did, potentially they could catch him out from MOT readings...

Grey_Critic

 Are a named Driver on another car.  YES

Any other answer only complicates things. I know of a family with 7 cars - they are all named as drivers on each others car as they may at times have to move/use them. A car that is SORN is meaningless in regard ro this question - it could be in several tea chests at present if being restored

Grumpy_chap

martyp said:

Thanks all for the replies, to try and cover as many of the queries as possible:

1) My car that is SORN doesn't have insurance on it (MOT expired a few years back) but registered and owned by me

2) My Dad lives the other side of the country and he added me mainly for a holiday but more of an in emergency situation and if needed when I see him so not a regular thing

3) The 'company car' is a pool car which I am insured on at work should I need to use it for work puposes but haven't actually driven it as use my own car usually if needed (have selected business use).

From that update, I'd simply put "no other car" as I always understood the insurer is interested in whether you have use of a second car and it might therefore reduce the use of the primary car - e.g partner's car - rather than being named on another car for absolute emergency scenario.

For example, I am a named driver on my Mum's car but have never driven it in 5 years and cannot foresee the scenario I ever would drive it outside of being at my Mum's and there being a real life-or-death need to use the car and not having my car available and it not actually reaching the 999 level of emergency.  I would not consider that in obtaining my own insurance.

prowla

Which one do you actually do?