Moving to one car insurance policy for two cars

Crox_2

I have two cars registered in my name.

My wife and I previously had two car insurance policies; one in my name with my wife as a named driver, the second for the other vehicle in my wife's name with me as a named driver.

I think this is both unnecessary and expensive since I could achieve the same cover with a single policy in my name covering both cars with my wife as a named driver.

I'm aware one disadvantage is that my wife may/will lose her NCD if she does not take out a policy in her own name. I believe this could be solved by switching the policy-holder/named driver each year.

Does anyone have thoughts about the advantages/disadvantages of my proposal?

400ixl

You can't insure two cars on the same policy (other than as a temporary measure). You can have a multi car policy, that is still a separate policy for each car.

Have you found an insurance company who will do 2 cars on the same policy for the full year?

Brie

doesn't a policy have to have a "main" driver?  If so then you couldn't be main driver on both cars.

DullGreyGuy

Brie said:

doesn't a policy have to have a "main" driver?  If so then you couldn't be main driver on both cars.

The opposite, they'd have to be the main driver for both... if that matches then it would work (another person here said that was the case... city car and motorway cruiser, wife rarely drives either other than in emergencies etc)

In reality that isn't true though, there is nothing to stop an insurer having a policy that could take multiple vehicles and have a different named driver on each. In practice it's been a long time since I've heard of companies offering a personal fleet policy and when they did it was for more than 2 cars (main driver wasn't a concept). I know some HNW Motor do say they allow multiple cars but no idea if its truly a single policy or multiple policies under a wrapper to make it appear a single policy (as a former client did)