Girlfriend on Car Insurance - €700 lower

DylanII

Hi,

I just got a quote through a broker for my car insurance. It was 1,790 by myself or 1200 with my girlfriend added.

I got the policy booklet and it defined partner as a partner who lives with you. Im a student living at home so we dont live together. I mentioned this to the broker and he said its fine. They also asked for a copy of her licence and her insurance cert which both had a different address to mine (so I wasnt trying to hide anything).

What do you think? Will it be okay?

edit: title should say €600 lower

Supergurrier

Lol i see the new legislation is right on track

endacl

Supergurrier wrote: »

Lol i see the new legislation is right on track

I know. If you've 2+ girlfriends, insurance is free and you pay half price tax.

dahamsta

I wouldn't accept "it's fine" direct from an insurer, never mind a broker. If it's really fine, he won't mind putting it in writing. If he won't, walk.

kneemos

dahamsta wrote: »

I wouldn't accept "it's fine" direct from an insurer, never mind a broker. If it's really fine, he won't mind putting it in writing. If he won't, walk.

The insurance company issue the insurance on the basis of the facts given,if you don't tell them lies you are fine I'd imagine.

oldyouth

dahamsta wrote: »

I wouldn't accept "it's fine" direct from an insurer, never mind a broker. If it's really fine, he won't mind putting it in writing. If he won't, walk.

100% agree with this

oldyouth

kneemos wrote: »

The insurance company issue the insurance on the basis of the facts given,if you don't tell them lies you are fine I'd imagine.

If it was a (face to face) verbal disclosure of the facts, where is the record of it when a claim is being investigated? I wouldn't rely on it

AltAccount

kneemos wrote: »

The insurance company issue the insurance on the basis of the facts given,if you don't tell them lies you are fine I'd imagine.

And this applies to the OP how?

jurahnimoh

Who's the broker?

MugMugs

Supergurrier wrote: »

Lol i see the new legislation is right on track

It has nothing got to do with the gender of the OP's partner. It's the split in risk that reduces the premium.

DylanII wrote: »

Hi,
I got the policy booklet and it defined partner as a partner who lives with you. Im a student living at home so we dont live together. I mentioned this to the broker and he said its fine. They also asked for a copy of her licence and her insurance cert which both had a different address to mine (so I wasnt trying to hide anything).

What do you think? Will it be okay?

edit: title should say €600 lower

Easy resolution for this really.

Send the Broker a letter (and scan a signed copy of the same to your e-mails for future use) and in it say, "just to clarify in writing and as discussed on x day, my partner does not actually live with me and I subsequently acknowledge that this does not cause any issue in relation to naming her as my partner on my policy of Insurance." or something like that.

If anything happens later down the line, you've held up your end

dahamsta

kneemos wrote: »

The insurance company issue the insurance on the basis of the facts given,if you don't tell them lies you are fine I'd imagine.

Try that argument when you claim, particularly with the cheaper insurers who'd off their grannies rather than pay out.

kneemos

AltAccount wrote: »

And this applies to the OP how?

How does it not?

Alanstrainor

Put your mother on as a named driver. Should have the same effect. The you can add the gf after.

MugMugs

DylanII wrote: »

Hi,
I got the policy booklet and it defined partner as a partner who lives with you.

Alanstrainor wrote: »

Put your mother on as a named driver. Should have the same effect. The you can add the gf after.

Ewwwwwwwwwwwww !


But he has a point and it works.

Sully

Alanstrainor wrote: »

Put your mother on as a named driver. Should have the same effect. The you can add the gf after.

When I renewed my insurance recently they said it would only make a difference if it was a partner!

ninty9er

Alanstrainor wrote: »

Put your mother on as a named driver. Should have the same effect. The you can add the gf after.

Adding my mother at my last renewal as she no longer has a car added between €60-€90 to the quotes I got.

Alanstrainor

I've had my mother added to every policy I've ever had, it reduces it by about 20/25%.

I've tried adding other people and it never has as much of an effect.

ninty9er

Alanstrainor wrote: »

I've had my mother added to every policy I've ever had, it reduces it by about 20/25%.

I've tried adding other people and it never has as much of an effect.

You do understand her adding you is a different matter

Alanstrainor

ninty9er wrote: »

You do understand her adding you is a different matter

I don't quite get the point you're trying to make to be honest.

AltAccount

kneemos wrote: »

How does it not?

Well, considering the OP is talking about declaring someone as a partner, who they recognise doesn't conform to the company's definition of a partner, and your advice is that "as long as you don't lie, you're fine", I felt it was fair to question the validity of the advice.

Not sure why I bothered responding, neither of us are of any use to the question at hand...

Voodoomelon

I added my mother a few weeks ago, brought it down from €580 to €505. Best thing is, she refuses to drive it as she's too afraid to park it.

kneemos

AltAccount wrote: »

Well, considering the OP is talking about declaring someone as a partner, who they recognise doesn't conform to the company's definition of a partner, and your advice is that "as long as you don't lie, you're fine", I felt it was fair to question the validity of the advice.

Not sure why I bothered responding, neither of us are of any use to the question at hand...

The broker said it was fine,he gave the facts,I just suggested he let the company decide

MidlandsM

ninty9er wrote: »

Adding my mother at my last renewal as she no longer has a car added between €60-€90 to the quotes I got.

that's because your mother has no insurance policy of her own, so they can't spread the risk and lower your premium.

Alanstrainor

Voodoomelon wrote: »

I added my mother a few weeks ago, brought it down from €580 to €505. Best thing is, she refuses to drive it as she's too afraid to park it.

Haha, I'm in a similar boat, as well as my mother being too afraid to drive mine, she can't actually shift it into reverse...:p

DylanII

I cancelled the policy with that insurer.

I went to another instead. I done the quote online and selected 'common-law-partner' - I didnt think that was the correct description, so I called them to continue with the quote and explained to them that she was my girlfriend (not common law partner) and they too put her down as my common law partner.

I think its just the way the describe them.