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named driver

  • 09-09-2010 2:19pm
    #1
    tinner777
    Registered Users, Registered Users 2 Posts: 1,543 ✭✭✭


    quick question,

    is there any benefit to naming your wife on your own policy if she already has her own policy which allows her to drive other cars?


Comments

  • #2
    Gumbo
    Moderators, Society & Culture Moderators Posts: 40,346 Mod ✭✭✭✭Gumbo


    yes, naming my GF on my policy reduces the premium by nearly 10%


  • #3
    It BeeMee
    Registered Users, Registered Users 2 Posts: 748 ✭✭✭It BeeMee


    When I was renewing with Axa, putting the g/f on knocked a few bob off the premium, so I imagine it's worth asking the question of your own insurer.


  • #4
    tinner777
    Registered Users, Registered Users 2 Posts: 1,543 ✭✭✭tinner777


    zurich appears to add 30, despite her having over 5 years no claims and over 10 years with a full driving license???


  • #5
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    1. Does her policy also allow her to drive your car?
    2. Most likely while driving other cars, she has only 3rd party cover, so in case of something, you won't get a single cent for damage to your car.


  • #6
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    CiniO wrote: »
    1. Does her policy also allow her to drive your car?
    2. Most likely while driving other cars, she has only 3rd party cover, so in case of something, you won't get a single cent for damage to your car.

    No but in a lot of cases just having a female driver on the policy will reduce the cost of the premium. Go figure...


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  • #7
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    djimi wrote: »
    No but in a lot of cases just having a female driver on the policy will reduce the cost of the premium. Go figure...

    That's what I was saying about - that's it worth anyway to get her as a named driver.

    For me it was almost 20% cheaper to get my wife as a named driver.


  • #8
    Random
    Closed Accounts Posts: 19,080 ✭✭✭✭Random


    most of the time your wife would only have third party cover when driving other cars. this would mean if she crashes yours that no one will pay for the damage. check out the policy t&c and pick the best option based on that too.


  • #9
    eamon234
    Registered Users, Registered Users 2 Posts: 1,924 ✭✭✭eamon234


    Bear in mind also that if you do insure her on your policy and she has an accident while driving your car and is also insured on her own car the insurance companies (assuming they are both different) will split the claim between them and it will affect both of your policies. It's called Dual Indemnity happened to me last year when I had an accident in my wife's car they claimed half off my insurance.


  • #10
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    eamon234 wrote: »
    Bear in mind also that if you do insure her on your policy and she has an accident while driving your car and is also insured on her own car the insurance companies (assuming they are both different) will split the claim between them and it will affect both of your policies. It's called Dual Indemnity happened to me last year when I had an accident in my wife's car they claimed half off my insurance.

    Please tell you are not serious... :8


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