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Insurence Question

  • 28-12-2011 6:48pm
    #1
    gs300
    Registered Users, Registered Users 2 Posts: 150 ✭✭


    Hi i just have a quick question in relation to insurance.

    i have my own can and my own insurance, my GF is looking to renew her insurance and has a quote, but if i add myself it goes down a lot.

    I will be driving the car every now and then so i am just wondering if this is ok to be insured on 2 different policies and will it affect the policies in any way.

    Any information would be a great help

    Thanks


Comments

  • #2
    TestTransmission
    Registered Users, Registered Users 2 Posts: 19,106 ✭✭✭✭TestTransmission


    Nope,perfectly fine.I've the same thing, I'm insured on hers and she's insured on mine as it brings down my policy about €300 :)


  • #3
    gs300
    Registered Users, Registered Users 2 Posts: 150 ✭✭gs300


    TestTransmission wrote: »
    Nope,perfectly fine.I've the same thing, I'm insured on hers and she's insured on mine as it brings down my policy about €300 :)


    cheers yeh i know on her own its €944 and with me its only €750 and she is the one with the points on the licence!!!!


  • #4
    MugMugs
    Registered Users, Registered Users 2 Posts: 17,875 ✭✭✭✭MugMugs


    gs300 wrote: »
    cheers yeh i know on her own its €944 and with me its only €750 and she is the one with the points on the licence!!!!

    Points have nothing to do with it.

    If you crash her car into somebody while driving it and you have a Driving Other vehicles part to your own policy then BOTH your Policy and Her's pay out for the accident. 50% for Third Party loss each.

    We get plenty of people on here giving out about that kind of situation so you've been warned.

    It's cheaper because the insurers financial risk is lower... Not because you don't have as many points as her.


  • #5
    gs300
    Registered Users, Registered Users 2 Posts: 150 ✭✭gs300


    MugMugs wrote: »
    gs300 wrote: »
    cheers yeh i know on her own its €944 and with me its only €750 and she is the one with the points on the licence!!!!

    Points have nothing to do with it.

    If you crash her car into somebody while driving it and you have a Driving Other vehicles part to your own policy then BOTH your Policy and Her's pay out for the accident. 50% for Third Party loss each.

    We get plenty of people on here giving out about that kind of situation so you've been warned.

    It's cheaper because the insurers financial risk is lower... Not because you don't have as many points as her.

    Thanks for that.

    I don't have that option on my insurance that's why we were looking at this situation.

    Sorry I kind of got mixed up in what I was saying, she done the application on her own and got a price of €950 she has 3 points and 2 claims, I done one and the price was €1350 I have no points and no claims.

    She is only 5 months older and 6 months more driving than my self and I was just saying that she still get the cheaper insurance.

    I know it's always been this way but it still annoys me.


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