can you get insure in two cars?

lexuslad · 12-06-2013 7:18pm #1

my dad is insured with zurich and has god knows how many no claims bonus points and i want him to be the main insurer on my policy with aviva. can he use the ncb or what? please explain how it works with two different cars. thank you.

Austmcc · 12-06-2013 7:30pm

first it cannot be your policy if your dad is the main driver. and if you are going to be doing most of the driving of the second car, and you are only a named driver its not legal. its called fronting. once the insurance company finds out that you are the main driver, but only declared to be a named driver the insurance is void. best to keep it legal and get insurance in your own name. i know premiums are expensive for young drivers. in the process of saving for my own.

12-06-2013 7:33pm

If this is your main car then it's not allowed for your father to be the main insured.

If you have an accident and they find out it, for instance, the car was your means to work, your insurance will be void and if you go to court over it you will have to pay the insurance legal fees too out of your own pocket.

I'm not sure if it's illegal ? but the insurance companies will not allow this.

lexuslad · 12-06-2013 7:33pm

Austmcc wrote: »

first it cannot be your policy if your dad is the main driver. and if you are going to be doing most of the driving of the second car, and you are only a named driver its not legal. its called fronting. once the insurance company finds out that you are the main driver, but only declared to be a named driver the insurance is void. best to keep it legal and get insurance in your own name. i know premiums are expensive for young drivers. in the process of saving for my own.

i wont be the main driver we will both be using it equally as i will drive to work and he will drive it home then come get me when im done and il drive home. just wondering though can he use his NCB twice?

lexuslad · 12-06-2013 7:35pm

Deleted User wrote: »

If this is your main car then it's not allowed for your father to be the main insured.

If you have an accident and they find out it, for instance, the car was your means to work, your insurance will be void and if you go to court over it you will have to pay the insurance legal fees too out of your own pocket.

I'm not sure if it's illegal ? but the insurance companies will not allow this.

as i said just there we will both be driving equally. can he use his ncb twice tho?

Austmcc · 12-06-2013 7:36pm

lexuslad wrote: »

i wont be the main driver we will both be using it equally as i will drive to work and he will drive it home then come get me when im done and il drive home. just wondering though can he use his NCB twice?

well why dont you just become a named driver on his car then? surely there is no need for there to be another car with insurance, tax etc. seems like a waste of money to me to bother with the second car. not 100%sure about the NCB, but i dont think you can split the NCB.

Voodoomelon · 12-06-2013 7:36pm

EDIT: Apologies, thought you were that other chap on the main page.

lexuslad · 12-06-2013 7:37pm

Voodoomelon wrote: »

Are you having a laugh? You just said your father was dead.

what are ya on about?

12-06-2013 7:38pm

lexuslad wrote: »

as i said just there we will both be driving equally. can he use his ncb twice tho?

Not sure about using no claims twice, I'd really check with the insurance company about this. You can get in a whole lot of expensive trouble if you are in an accident.

Be honest with the insurance they will advise you.

But if you are the main driver of a car in your dads name and the policy is in his name that is not allowed.

Austmcc · 12-06-2013 7:38pm

Voodoomelon wrote: »

Are you having a laugh? You just said your father was dead.

wrong thread there...... was just reading that one myself

lexuslad · 12-06-2013 7:38pm

Austmcc wrote: »

well why dont you just become a named driver on his car then? surely there is no need for there to be another car with insurance, tax etc. seems like a waste of money to me to bother with the second car. not 100%sure about the NCB, but i dont think you can split the NCB.

because my mam uses it too and its not always around to be used when i need it.

lexuslad · 12-06-2013 7:39pm

Deleted User wrote: »

Not sure about using no claims twice, I'd really check with the insurance company about this. You can get in a whole lot of expensive trouble if you are in an accident.

Be honest with the insurance they will advise you.

But if you are the main driver of a car in your dads name and the policy is in his name that is not allowed.

would driving it equally be ok? he would probly be driving it more than me .

biko · 12-06-2013 7:40pm

Yes a person can have two cars with his/her insurance and have a named driver on one car.
You should read the terms and condition for his company, or have him ring them and ask.

But I doubt he can take over your Aviva insurance so you can drive on his NCB and get a lower cost.

delta_bravo · 12-06-2013 7:40pm

No you can't use your ncb twice

wexie · 12-06-2013 7:41pm

Deleted User wrote: »

Not sure about using no claims twice, I'd really check with the insurance company about this. You can get in a whole lot of expensive trouble if you are in an accident.

Be honest with the insurance they will advise you.

But if you are the main driver of a car in your dads name and the policy is in his name that is not allowed.

I've used my NCB twice, however that's on a regular policy and a vintage policy, both with the same company and the vintage policy is on limited mileage.

Somehow I doubt that what OP is trying to do is kosher.

lexuslad · 12-06-2013 7:42pm

delta_bravo wrote: »

No you can't use your ncb twice

even if he was to switch to aviva?

12-06-2013 7:42pm

lexuslad wrote: »

would driving it equally be ok? he would probly be driving it more than me .

Well I would say a Judge would think that driving it to work would mean you're the main driver of a car that is insured in your dads name, this could get you into serious trouble if this could go against you in court. Just think of the legal bills if you were in an accident ! :eek:

Austmcc · 12-06-2013 7:42pm

lexuslad wrote: »

because my mam uses it too and its not always around to be used when i need it.

oh i see. well any chance you could get your mum as the main driver of the second car? insurance companies might get suspicious if your dad gets a second policy with you as a named driver. might think your fronting as explained before

lexuslad · 12-06-2013 7:44pm

Austmcc wrote: »

oh i see. well any chance you could get your mum as the main driver of the second car? insurance companies might get suspicious if your dad gets a second policy with you as a named driver. might think your fronting as explained before

im going to try that actually thank you very much

cml387 · 12-06-2013 7:45pm

lexuslad wrote: »

my dad is insured with zurich and has god knows how many no claims bonus points and i want him to be the main insurer on my policy with aviva. can he use the ncb or what? please explain how it works with two different cars. thank you.

Who owns the cars?

12-06-2013 7:48pm

lexuslad wrote: »

im going to try that actually thank you very much

Just be honest with the insurance company and tell them what you want and they will tell you if it's allowed, it can't be more simple than this.

lexuslad · 12-06-2013 7:48pm

cml387 wrote: »

Who owns the cars?

my dad owns both of them

can you get insure in two cars?

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