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Insurance Swap

  • 21-09-2011 11:29am
    #1
    Sully
    Moderators, Education Moderators, Technology & Internet Moderators, Regional South East Moderators Posts: 24,056 Mod ✭✭✭✭


    Quick question. I'm currently named on my parents car and my partners car. I'm looking to get a new car before christmas and was wondering is it possible to transfer my insurance from my partners car onto my own? I'd probably get one of my folks to go as main insurer in my car and then go named under as I suspect it would be cheaper. Ill be 25 at the end of January.


Comments

  • #2
    shannon_tek
    Closed Accounts Posts: 2,024 ✭✭✭shannon_tek


    Sully wrote: »
    I'd probably get one of my folks to go as main insurer in my car and then go named under as I suspect it would be cheaper. .

    Im not sure about here or this but i think you can go as the main driver and get someone with experience to go named and it brings down the price. least you'll be getting your no claims


  • #3
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    Sully wrote: »
    Quick question. I'm currently named on my parents car and my partners car. I'm looking to get a new car before christmas and was wondering is it possible to transfer my insurance from my partners car onto my own?

    No you can't do anything with your partner's policy. You could get a discount for named driver experience though.
    Sully wrote: »
    I'd probably get one of my folks to go as main insurer in my car and then go named under as I suspect it would be cheaper. Ill be 25 at the end of January.

    It'd be cheaper in the long run to insure yourself and partner from the off.

    Named driver experience and an SO wouldn't cost much more then getting your parents to take out a policy, with you the main driver as a named driver, which is illegal.


  • #4
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    Sully wrote: »
    Quick question. I'm currently named on my parents car and my partners car. I'm looking to get a new car before christmas and was wondering is it possible to transfer my insurance from my partners car onto my own? I'd probably get one of my folks to go as main insurer in my car and then go named under as I suspect it would be cheaper. Ill be 25 at the end of January.

    As suggested, you should just get your own policy and add your partner and/or parents. You'll be the main driver, so you should insure yourself properly.


  • #5
    Gophur
    Closed Accounts Posts: 1,921 ✭✭✭Gophur


    Sully wrote: »
    Quick question. I'm currently named on my parents car and my partners car. I'm looking to get a new car before christmas and was wondering is it possible to transfer my insurance from my partners car onto my own? I'd probably get one of my folks to go as main insurer in my car and then go named under as I suspect it would be cheaper. Ill be 25 at the end of January.

    Are you not a bit long-in-the-tooth to be getting Mammy or Daddy to insure you?

    (Such insurance will be invalid, in any event, as you are the main driver.)

    The insurance under your own name will be more expensive, for a reason. Bite the bullet and get it in your own name.

    By the sounds of it you are established in a separate domestic unit. Your parents shouldn't be required to subsidise any of your expenditure.


  • #6
    Sully
    Moderators, Education Moderators, Technology & Internet Moderators, Regional South East Moderators Posts: 24,056 Mod ✭✭✭✭Sully


    Thanks for the replies. I live at home, just finishing out college but went onto partners car as I drove that a fair bit more then parents car (easier on the folks). She's under her parents name, as am I, its their car. She's also in college and 23. Its due for renewal now and im debating going on it as I expect to have a car by christmas and was wondering could I transfer remaining months over to the new car as main insurer and parents under.

    Cheers for the heads up, was unaware of the problem with my original suggestion.


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  • #7
    Austin1
    Registered Users, Registered Users 2 Posts: 190 ✭✭Austin1


    OP, for many of the reasons stated above, it's high time you took out a policy in your own name. It's only then that you will start to earn your own No Claims Discount. Granted you will get some sort of introductory discount for being a named driver but this discount is usually not as much as having a policy claims free for X amount of years in your own name.

    Having said that, I would recommend that you hold off taking out a policy until your 25th birthday as this is usually a major benchmark price wise for most insurers covering male drivers. You can ring them and get two quotes, one based on being 24 and another based on 25 - then compare the two prices. This could mean having your lovely new car sitting in the driveway for the first month which I'm sure will be agony but if it saves you a few hundred Euro……..


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