Get your missis as named driver on ///M insurance

easty027 said:
just done a quote online, these are my findings:-

Myself (12 Yrs NCB/3points/7k PA) £916.00 (£100 more than it was a few months ago suprinsingly)

Myself & the wife (she has 3 points also) £824.00 !

strange when you consider there are now 6 points combined on that policy if i decided to take it out?. how come they charge less for what is potentially more risk?
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jesus, just done another check (using the same details, Z4M Coupe etc) and its the fact i have moved to Sale, South Manchester which has made my insurance shoot up, thought it was the car. Just done another search using my old postcode from when i lived in East Yorkshire and its £503 including a named driver and protected no claims !.......I never imaged it would make a £321 difference !

..........cant believe it :headbang: , time to move back to the correct side of the pennines me thinks. :tumbleweed:
 
i always hear people on this site complaining about insurance costs - i thought england must have outragous insurance prices.

but i pay $1200 p/a with no previous accidents, perfect record (no loss of points) and i keep it in a locked garage (i am only 24 tho).
however it seems like i am paying just as much as anyone else here - i think i might try out this adding parents/GF and see if i can reduce mine a bit. can only hope
 
stefan740 said:
Is this legal in the UK? If your partner is named driver but you drive it yourself 99% of the miles.
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I made that same point earlier. If you try to use someone else as the main driver and they are not the main (or equal) then cover will b invalid. Every young kid in the country used to have their mum as owner and main driver of their car.
 
cj10jeeper said:
stefan740 said:
Is this legal in the UK? If your partner is named driver but you drive it yourself 99% of the miles.
Click to expand...

I made that same point earlier. If you try to use someone else as the main driver and they are not the main (or equal) then cover will b invalid. Every young kid in the country used to have their mum as owner and main driver of their car.
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That is not actually correct for husband and wife, the insurance companies don't differentiate between who is the main and who is the named driver. However, that is NOT the case for any other type of relation (parent / child etc).
 
My policy (with Swiftcover) very clearly states myself as the 'Main driver' and it's stamped all over the Schedule and policy details as such and my wife as 'Named driver'.

Can't speak for all policies of course, but mine's pretty clear.
 
My new policy starts today. Technically, although I'm still with Elephant, it's not a renewal as the renewal quote came to just under £2k! I phoned them up and asked them what planet they were on, as I was expecting it to be around £800 on the basis that (a) I got a quote for about £800 when I was looking for my Z4 back in May (bought in July), (b) I was paying about £330 on my 1.6 focus, and had 3 months left on the policy when I changed to the Z4, which set me back £130 - which roughly works out to £850 for a year. Maybe I had over-simplified it!

Anyway, while they were on the phone, I went to confused.com and elephants own quote came back at £995. Turns out that because I had a non-fault accident just before I bought the Z, I'm now classed as a higher risk. Taking the accident off, it's £800, as expected.

I've just had a word with elephant, they're putting the quote differences into writing for me so I can attempt to claim back the difference from the other party's insurance company, seeing as they assumed liability without much of a fight (the other driver drove into the back of me, in broad daylight, while I was sitting stationary in a queue of traffic. I actually watched her drive into me in the rear view mirror, she was looking everywhere but where she was going! I had nowhere to go - traffic in front and at either side - tapping the brakes to make the lights flash didn't get her attention so I just stood on them and braced for impact! the damage wasn't actually that bad).

Anyway, apologies for going off topic - no significant other to put on the insurance, so got mum on there as an additional named driver (55, driving 20+ years, clean licence no accidents) - cant remember how much it brought it down, but it was a couple of hundred quid at least.
 
cj10jeeper said:
My policy (with Swiftcover) very clearly states myself as the 'Main driver' and it's stamped all over the Schedule and policy details as such and my wife as 'Named driver'.

Can't speak for all policies of course, but mine's pretty clear.
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It is not so much what is on the policy, as that will indeed state that. I queried it to a much greater detail and in the general industry they stated that when husband and wife are sharing cars, they dont care who the main driver is on the policy as they expect a sharing position (i.e. often you can not identify who really is the main driver). This only applies to married couples though.
 
cj10jeeper said:
stefan740 said:
Is this legal in the UK? If your partner is named driver but you drive it yourself 99% of the miles.
Click to expand...

I made that same point earlier. If you try to use someone else as the main driver and they are not the main (or equal) then cover will b invalid. Every young kid in the country used to have their mum as owner and main driver of their car.
Click to expand...

Having your other half as a named driver is exactly what it's there for, so they are named to drive the car. If you are the policy holder and main driver, with extra drivers, that's not fronting your policy. My other half sometimes drives the car, I drive it most of the time, that's why it's my policy with me as main driver and her as a named driver. Have always done this with each others cars as we drive each others cars, although rarely. I agree that telling an insurance company you are not the main driver when you are is 100% classed as fronting and is illegal.

I don't think anyone on here is suggesting putting the main driver down as someone who never uses the car, just highlighting the savings by adding an additional driver to reduce the risk in insurance companies eyes (their stats back this up)...

My policy too (and when I had multple cars, and on her policy but vice versa) states me as Policy Holder and main driver, anyone else as named driver (who are entitled to drive the car and be fully insured).
 
I started the OP & 'think we should put this one to bed!' by me finishing it!

The clue was in the thread subject 'named' .....not..... 'main driver'. Exactly and only that, my car & my policy but on the odd occasion my missis drives the ///M she is insured as a declared additional driver.

There's no law being broken, she may infact never drive the car (let her!) But the option is there. With the additional benefit of the £200 pa saving.

To coin an annoying related insurance advert catchphrase.....SIMPLES!
 
Hey guys - what if the misses IS the ///M owner?
:driving:

Someone needs to create a gif showing a driver with long dark hair. Lol!
 
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