Insuring 2 cars for one person?

hokeypokey

Do insurance companies clamp down on drivers or stop drivers who insure two cars that they both own but having a named driver say a son or daughter on one...?

jimmycrackcorm

I don't know about children but I have two cars insured with my spouse as a named driver

CiniO

jimmycrackcorm wrote: »

I don't know about children but I have two cars insured with my spouse as a named driver

Did you collect NCB on each of them separately?

vectra

I have two cars

Car (A) = Full Comp insurance with Full NCB Self insured only

Car (B) = TPFT & windscreen with No NCB (used on car A) Son 18 insured as named driver.

hokeypokey

Thanks i think that answers my question...

keithclancy

Not worth it.

Better off with the young fella building up his own NCB.

vectra

hokeypokey wrote: »

Thanks i think that answers my question...

You are welcome
Just make sure that in car "B" if you are insuring a son/daughter that YOU as the main driver would have to drive it more often than the named driver

JimsAlterEgo

vectra wrote: »

You are welcome
Just make sure that in car "B" if you are insuring a son/daughter that YOU as the main driver would have to drive it more often than the named driver

and if they don't have a full license that you are with them

hokeypokey

JimsAlterEgo wrote: »

and if they don't have a full license that you are with them

Well the person may not neccesarilly be a provisional driver...

cml387

It does seem a bit of a dodge,in that the insurance company will assume that you will be mostly driving the car, and son and heir will drive it sometimes.

However I can't see that the insurers will know how often the named driver drives the car.

jimmycrackcorm

CiniO wrote: »

Did you collect NCB on each of them separately?

I had a full ncb on the first car then bought a cheap everyday diesel car and got complimentary full ncb on that from insurer.

Schorpio

No, I don't think there's anything illegal about it. As long as you are the owner of both cars and you are the main driver on both sets of insurance, then that's fine. You can have a named driver on either or both cars. There's no way an insurance company can or would check that you've been doing most of the driving, and not your son.

CiniO

jimmycrackcorm wrote: »

I had a full ncb on the first car then bought a cheap everyday diesel car and got complimentary full ncb on that from insurer.

Hmm.
What insurance company was it?
I tried this with good few of them, and everywhere I heard the answer - impossible - you have to collect NCB separately for each car.

CiniO

vectra wrote: »

You are welcome
Just make sure that in car "B" if you are insuring a son/daughter that YOU as the main driver would have to drive it more often than the named driver

How are they going to check how is driving a car more often?


To be honest, the more I read all this insurance stuff on this forum, the more I think it's a bit radicalous.
Just to give you example, I'll show how it looks like in Poland.

First of all, when you buy insurance, they don't ask who's going to drive a car. Everyone who has a licence can drive it.
Second of all, NCB is attached to the person, not to a policy.
So if you want to buy 5 cars and get insurance for all of them, you can use your NCB on all of them. The only catch is, that if there will be any claim on any of this policies, then you lose NCB for all your policies.
Also interesting thing is that policy is attached to the car, so if you sell a car, then you sell a policy with it. New owner is allowed to drive for 30 days on this policy, and then he has to contact insurance company to recalculate premium according to his details.
And pretty much what is the most important, all insurance companies providing insurace policies, are obliged to obey the regulations, which state exactly rules and conditions of the policy. So there isn't any way some insurance company can reject to give policy to someone, or state their own rules when policy is invalid. It's all regulated by law. Policy is invalid only when the driver is drunk or without the licence. In any other circumstances, insurance company has to pay for the claim...
So for example, if you modified your car, didn't tell anyone about it, and caused a crash, insurance company still has to pay.
And the last thing - insurance policies are cheap (at least third party covers). For an average car like 1.6 and average driver (26 years old with 5 years NCB) premium for third party would be something like 100 euros per year. For a young person (18 years old) with a strong car and no NCB, it still would go rather more than 300 euros.
Even when you compare to Polish salaries, it's still way cheaper then in Ireland.

jimmycrackcorm

jimmycrackcorm wrote: »

I had a full ncb on the first car then bought a cheap everyday diesel car and got complimentary full ncb on that from insurer.

CiniO wrote: »

Hmm.
What insurance company was it?
I tried this with good few of them, and everywhere I heard the answer - impossible - you have to collect NCB separately for each car.

I'd also be very interested to know who offers this, mirrored NCBs are common enough in the UK but the insurance companies operating in Ireland don't seem to do it.

hokeypokey

Cinio, unfortunately this is Ireland and all this wonderful weather comes at a price, it's like everything is completely overpriced....#

By the way, who do the best deals for young drivers?

CiniO

hokeypokey wrote: »

Cinio, unfortunately this is Ireland and all this wonderful weather comes at a price,

I love Irish sense of humour.

djimi

RoverJames wrote: »

I'd also be very interested to know who offers this, mirrored NCBs are common enough in the UK but the insurance companies operating in Ireland don't seem to do it.

Apparently Setanta Insurance offer mirrored NCB for more than one policy.

mink_man

lads went to get insurance the last few days as a named driver on a second vehicle and they all said that you cant protect your no claims bonus on both vehicles...

hondasam

hokeypokey wrote: »

Do insurance companies clamp down on drivers or stop drivers who insure two cars that they both own but having a named driver say a son or daughter on one...?

you cannot insure two cars in your own name, there would be no reason as you are covered to drive the other car tpf&t. you really need to check this as you will find your son is not insured either. did you disclose to the insurance company you had another policy in your name? I have dealt with a lot of ins companies with my own family and i would check that out if i were you.

vectra

hondasam wrote: »

you cannot insure two cars in your own name, there would be no reason as you are covered to drive the other car tpf&t. you really need to check this as you will find your son is not insured either. did you disclose to the insurance company you had another policy in your name? I have dealt with a lot of ins companies with my own family and i would check that out if i were you.

Of course you can insure 2 cars in own name,
I have it done as I own both cars, and questioned it beforehand.

What you are stating is totally wrong.

You are only covered dto drive another car PROVIDED it does not belong to you.

Esel

See this recent thread where a couple of posters said they got a mirrored NCB from certain companies/through a named broker..

hondasam

i have tried with my own ins but the will not do it, i could ins my husbands car a lot cheaper than him but the will not let me have two policies in my own name. i also tried to ins my sons car with a different company and the said the same thing. who are you ins with. i was with hibernian for 12 yrs but left them this year, my son was with one direct and left them as well.

vectra

hondasam wrote: »

i have tried with my own ins but the will not do it, i could ins my husbands car a lot cheaper than him but the will not let me have two policies in my own name. i also tried to ins my sons car with a different company and the said the same thing. who are you ins with. i was with hibernian for 12 yrs but left them this year, my son was with one direct and left them as well.

All car must be registered in your own name.
Not your husbands name
not your sons name.

djimi

hondasam wrote: »

i have tried with my own ins but the will not do it, i could ins my husbands car a lot cheaper than him but the will not let me have two policies in my own name. i also tried to ins my sons car with a different company and the said the same thing. who are you ins with. i was with hibernian for 12 yrs but left them this year, my son was with one direct and left them as well.

You can have as many insurance policies as you want. You may only be able to use your NCB for one of them, and you must own the cars you are insuring, but if you own 5 cars (ie they are registered in your name) then there is nothing stopping you from insuring them all.

vectra

vectra wrote: »

Of course you can insure 2 cars in own name,

Yep, loads of folk have two or more cars.

hondasam

ya i tried that but the pointed out the named driver can only drive the car Occasionally, my husband and son would want to driver their cars everyday. ins companies are wise to the fact parents are insuring there kids cars and of course want to stop it. The actually told me if there was an accident the would check the reading on the nct to verify the milage used, as you can imagine i let them insure their own cars. i hate ins companies and all the new rules.

Del2005

hondasam wrote: »

ya i tried that but the pointed out the named driver can only drive the car Occasionally, my husband and son would want to driver their cars everyday. ins companies are wise to the fact parents are insuring there kids cars and of course want to stop it. The actually told me if there was an accident the would check the reading on the nct to verify the milage used, as you can imagine i let them insure their own cars. i hate ins companies and all the new rules.

They aren't new rules, they have finally copped on and stopping people getting insurance fraudulently. Hopefully it should lead to lower premiums for people who who have legit insurance policies.

CiniO

hondasam wrote: »

ya i tried that but the pointed out the named driver can only drive the car Occasionally, my husband and son would want to driver their cars everyday. ins companies are wise to the fact parents are insuring there kids cars and of course want to stop it. The actually told me if there was an accident the would check the reading on the nct to verify the milage used, as you can imagine i let them insure their own cars. i hate ins companies and all the new rules.

OK, but what does the mileage used has to do with your kids or husband driving a car? I can't see any relation.

Schorpio

CiniO wrote: »

OK, but what does the mileage used has to do with your kids or husband driving a car? I can't see any relation.

Yeah, neither can I?! Just because your car has done a lot of mileage since a NCT, how do they know who drove all the miles? They can't prove squat. And if a named driver has an accident, no insurance company can say that it wasn't just an occasional trip. Whatever insurance company told you that, turn your back to them and go somewhere else, insure your cars with your named drivers and go for a drive somewhere.

hondasam

if i am the main policy holder on two cars i cant drive them both at the same time, one should be parked most of the time while the other is on the road. named driver cannot drive everyday the same as i can, according to the ins company. if the check the milage on both cars the will know both are on the road fulltime.

hondasam

hondasam wrote: »

if the check the milage on both cars the will know both are on the road fulltime.

Not really, my Dad's car is used daily, my folks bought it new in 1999, there's about 30K miles up on it.

hondasam

my son is a named driver on my fc policy, does this mean he can drive other cars tp.

gurramok

RoverJames wrote: »

Yep, loads of folk have two or more cars.

How do they do it if there are no kids/2nd persons involved?

If I bought a 2nd car in my name with a wish to insure it and kept the first car with insurance in my name with 5yr+ NCB built up, does the insurance company treat me as a new policy with 0 NCB on the 2nd car?(hence dearer insurance)

djimi

gurramok wrote: »

How do they do it if there are no kids/2nd persons involved?

If I bought a 2nd car in my name with a wish to insure it and kept the first car with insurance in my name with 5yr+ NCB built up, does the insurance company treat me as a new policy with 0 NCB on the 2nd car?(hence dearer insurance)

Depends on your insurance company. Some dont take your NCB into account, others do.

CiniO

hondasam wrote: »

if i am the main policy holder on two cars i cant drive them both at the same time, one should be parked most of the time while the other is on the road. named driver cannot drive everyday the same as i can, according to the ins company. if the check the milage on both cars the will know both are on the road fulltime.

I still don't get how....

Let say you do 30k miles every year.
Named driver does another 30k miles every year.
That's very big mileage anyway.

But even if they do check, you can always say you did 30k in both of the cars - together 60k.

Doing 60k miles a year is huge mileage, but not impossible. It accounts for about 300km a day.

Del2005

hondasam wrote: »

my son is a named driver on my fc policy, does this mean he can drive other cars tp.

Highly unlikely, you'd need to read the policy document and contact you insurance company to be sure. That would leave insurance companies wide open and that's something they do their best to avoid.

CiniO wrote: »

I still don't get how....

Let say you do 30k miles every year.
Named driver does another 30k miles every year.
That's very big mileage anyway.

But even if they do check, you can always say you did 30k in both of the cars - together 60k.

Doing 60k miles a year is huge mileage, but not impossible. It accounts for about 300km a day.

If you claim you drive 60k miles per year your insurance will go up, as you've put yourself into a high risk category. Plus they could also void your policy for false declaration, every policy I've ever taken out has asked my annual mileage and you are supposed to inform them of any changes.

There's a reason why insurance companies charge young people high prices for certain types of cars.

It's different from when I started driving, 17 years ago:eek:, when young people where paying crazy money to insure any type of car. I had to pay IR£2,500 for the 1st few years of my own policy on a 0.9l and then a 1.4l. Now the prices are much more reasonable and there are multiple ways to legally get the prices lower.

CiniO

Del2005 wrote: »

If you claim you drive 60k miles per year your insurance will go up, as you've put yourself into a high risk category. Plus they could also void your policy for false declaration, every policy I've ever taken out has asked my annual mileage and you are supposed to inform them of any changes.

My insurer (Allianz) never asked me about annual mileage. Only what they asked was what distance I travel to work. So I assume I can drive even 100k miles a year without any problem.

There's a reason why insurance companies charge young people high prices for certain types of cars.

It's different from when I started driving, 17 years ago:eek:, when young people where paying crazy money to insure any type of car. I had to pay IR£2,500 for the 1st few years of my own policy on a 0.9l and then a 1.4l. Now the prices are much more reasonable and there are multiple ways to legally get the prices lower.

That's a bit nasty.
This system pretty much discourages young people to drive. And it's obvious that the earlier someone will start to drive, the better driver he/she will be.

For comparision, in Poland driver under certain age (24 - 26 depending on insurer) are due to extra 30% on the price of the policy. That's it. No more charges for young drivers.
It starts to be expensive, only when you start crashing.
So let's say a 18 year old driver will pay much less premium, then 50 year old lady who started driving only 3 years ago, and crashed twice since then.

djimi

CiniO wrote: »

My insurer (Allianz) never asked me about annual mileage. Only what they asked was what distance I travel to work. So I assume I can drive even 100k miles a year without any problem.

Every insurer asks, or at least should ask, what your annual mileage is. Go onto any online insurance quote system and you will find every one of them ask the question. If they didnt ask you it was out of neglect on their part, not because they dont care.

CiniO wrote: »

That's a bit nasty.
This system pretty much discourages young people to drive. And it's obvious that the earlier someone will start to drive, the better driver he/she will be.

For comparision, in Poland driver under certain age (24 - 26 depending on insurer) are due to extra 30% on the price of the policy. That's it. No more charges for young drivers.
It starts to be expensive, only when you start crashing.
So let's say a 18 year old driver will pay much less premium, then 50 year old lady who started driving only 3 years ago, and crashed twice since then.

Thats the way it should be, but unfortunately in Ireland insurance companies adopt the attitude "guilty until proven innocent", as in until you can prove that you are a safe driver by getting older, gaining more experience and building up a NCB they will assume that you are liable to write off every car you own.

Its a pathetic way of doing it, but I suppose its not helped by the amount of teenage morons who drive and wreck cars in this country. Bring in a stipulation whereby drivers cannot drive above 1.2L cars for the first two years, and cannot drive about 1.4 until they are 23, and introduce a list of cars that young drivers cannot legally drive, and I guarantee you the statistics would change pretty sharpish.

CiniO

djimi wrote: »

Every insurer asks, or at least should ask, what your annual mileage is. Go onto any online insurance quote system and you will find every one of them ask the question. If they didnt ask you it was out of neglect on their part, not because they dont care.

I know most of them do.
But Allianz, asked me only about distance I travel to work.
That actually suits me great, because I don't drive far to work, but I do big mileage with my car, and Allianz was only insurer I found, how didn't charge me extra for driving a lot.

Thats the way it should be, but unfortunately in Ireland insurance companies adopt the attitude "guilty until proven innocent", as in until you can prove that you are a safe driver by getting older, gaining more experience and building up a NCB they will assume that you are liable to write off every car you own.

Its a pathetic way of doing it, but I suppose its not helped by the amount of teenage morons who drive and wreck cars in this country. Bring in a stipulation whereby drivers cannot drive above 1.2L cars for the first two years, and cannot drive about 1.4 until they are 23, and introduce a list of cars that young drivers cannot legally drive, and I guarantee you the statistics would change pretty sharpish.

Limiting by engine size is also not a best idea...
F.E. When I was younger, I had Fiat Cinquecento 1.2 Turbo, with over 100 HP. Engine was swapped from other car, because normally 1.1 engine was the biggest in Cinquecento. But even normal stock Cinquecento Sporting with 1.1 and low ratio gearbox (we still see some of them on Irish roads) is a really fast moving cars, able to do almost 170km/h.

On the other hand, I had a chance to drive Nissan Primera P12 1.6. This car is just not moving, because 1.6 is way tooo small enigne for this car.

But to be honest, I don't think that limiting cars for younger drivers has any sense.

If someone is crazy, he'll do the same harm in 2.0 Impreza, as in 1.0 Corsa.

Probably he won't go faster than 130km/h on motorway with 1.0 corsa, but he can do the same on a narrow estate road, which will be extremally dangerous.

I think that we need more garda patrols on the road, instead of limiting young people cars.

As I said, since I got my licence at 17, I drove many very strong cars, but never ever had even a minor crash.

Del2005

CiniO wrote: »

My insurer (Allianz) never asked me about annual mileage. Only what they asked was what distance I travel to work. So I assume I can drive even 100k miles a year without any problem.

They do some maths and work out that if you drive X km to work. You do this twice a day, 5 days a week for ~50 weeks a year.

X*2*5*50 is roughly your annual mileage.

Unless you do crazy amounts of driving at night or weekends you won't get anywhere near 60k extra miles.

That's a bit nasty.

It's statistics and unfortunately that's the what we have to deal with.

This system pretty much discourages young people to drive. And it's obvious that the earlier someone will start to drive, the better driver he/she will be.

Young people can still drive, the cost of insurance is high for anyone with no NCB. They just need to accept that it can't be done in big cars and they need to get proper training and assessment. Several companies offer training which can reduce the premium by different amounts depending on what grade you get.

There's no law against being a named driver on their parents car and driving this and most companies will give a discount for this. What the insurance companies are rightly clamping down on is where they have their own car but fraudulently claim it's their parents.

For comparision, in Poland driver under certain age (24 - 26 depending on insurer) are due to extra 30% on the price of the policy. That's it. No more charges for young drivers.
It starts to be expensive, only when you start crashing.
So let's say a 18 year old driver will pay much less premium, then 50 year old lady who started driving only 3 years ago, and crashed twice since then.

How many Polish companies are quoting here? If they could make money here wouldn't they already be offering insurance. We have a totally different legal system, very litigious people and generally high payouts for personal injuries.

You don't even have to go as far as Poland for cheaper insurance.

CiniO

Del2005 wrote: »

They do some maths and work out that if you drive X km to work. You do this twice a day, 5 days a week for ~50 weeks a year.

X*2*5*50 is roughly your annual mileage.

Why do you assume I drive only to work?

Unless you do crazy amounts of driving at night or weekends you won't get anywhere near 60k extra miles.

It's statistics and unfortunately that's the what we have to deal with.

Driving to work and back in my case is 40km. Anyway I do an avarage of 150km a day, which is over 100km extra to driving to work.

Also last year I went to Poland for over a month holidays, and during whole trip I made over 20,000 km.

So yes - I drive a lot.

Young people can still drive, the cost of insurance is high for anyone with no NCB. They just need to accept that it can't be done in big cars and they need to get proper training and assessment. Several companies offer training which can reduce the premium by different amounts depending on what grade you get.

There's no law against being a named driver on their parents car and driving this and most companies will give a discount for this. What the insurance companies are rightly clamping down on is where they have their own car but fraudulently claim it's their parents.

Still bit strange.
You think that 1.2 Lupo, would be safer then 1.6 Vectra?
Vectra definitly would be slower.

How many Polish companies are quoting here? If they could make money here wouldn't they already be offering insurance. We have a totally different legal system, very litigious people and generally high payouts for personal injuries.

You don't even have to go as far as Poland for cheaper insurance.

I never said that Polish insurance companies provide cheaper cover.
In fact they do, but that's because of cheaper avarage damage to property and very little claims for personal injuries.
Anyway, what I was saiying, they don't discourage young people to drive. And they don't charge them huge premium just because they are young.

eamon234

Bear in mind if you are insured on two cars dual indemnity can apply in the event of a claim this can also affect your NCB if you don't have protection. In effect if your son has accident they can claim half from your other policy.

Del2005

CiniO wrote: »

Why do you assume I drive only to work?

Why did you selectively edit my post? When I said

Del2005 wrote: »

Unless you do crazy amounts of driving at night or weekends you won't get anywhere near 60k extra miles.

CiniO wrote: »

I know most of them do.
But Allianz, asked me only about distance I travel to work.
That actually suits me great, because I don't drive far to work, but I do big mileage with my car, and Allianz was only insurer I found, how didn't charge me extra for driving a lot.

You've shown that you do high mileage and had trouble getting reasonable insurance. You had to play the insurance companies game, but you never lied. It's not your fault they never asked your annual mileage.

CiniO

Del2005 wrote: »

Why did you selectively edit my post? When I said





You've shown that you do high mileage and had trouble getting reasonable insurance. You had to play the insurance companies game, but you never lied. It's not your fault they never asked your annual mileage.

I never said I had trouble getting reasonable insurance. I chose Allianz, because they offered everything I needed, and were the cheapest.
F.e Aviva, only asks if you drive, less than 5000miles, 5000-10,000 miles or over 10,000 miles.

muboop1

RoverJames wrote: »

I'd also be very interested to know who offers this, mirrored NCBs are common enough in the UK but the insurance companies operating in Ireland don't seem to do it.

I have 1

Esel

^ The name of the company is a secret, I take it?

muboop1

esel wrote: »

^ The name of the company is a secret, I take it?

I think its 123.ie that I got it with, but i remember there being some serious trouble with getting it. Basically person on phone told us we could do it etc. Then we got a letter in post a few weeks later requesting the NCB form previous insurance for the car or whatever. Rang them back, told them we were mirroring it and that it was what had been agreed upon and we had payed up front for year etc. They had the call recorded checked it and decided to honor it... Or something.

It was all done through my mum, not myself. I'm a named driver on "her" second run around car...

muboop1

muboop1 wrote: »

It was all done through my mum, not myself. I'm a named driver on "her" second run around car...

Why is her in inverted commas ??

muboop1

RoverJames wrote: »

Why is her in inverted commas ??

I paid for the car, but its registered under her name for insurance However she does use it... her own car has a useless boot, so come shopping day my car has been known to dissapear