Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Adding partner onto my car insurance policy...

  • 18-10-2013 11:24am
    #1
    remsburgsgirl
    Registered Users, Registered Users 2 Posts: 231 ✭✭


    Just got a horrendous quote from my usual broker for this years car insurance...they explained that it is because there is no more reductions for female drivers any more...(this quote was for €200 more than last years premium)
    This lead me to shop around obviously & after talking to another broker I was told if I add my partner (who has his own car & own policy) to my policy it will come in as significantly cheaper...
    Sure enough after ringing back my own broker & asking to add my partner, I got a re-quote of €100 less...they assured me it has nothing to do with, & won't affect, his policy...but she didn't explain why it comes in as cheaper.

    Could someone explain this to me maybe!? :)


Comments

  • #2
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Presumably your partner is seen as a lower risk than you, so their driving the car sometimes lowers the overall risk profile.


  • #3
    TheBoffin
    Registered Users, Registered Users 2 Posts: 434 ✭✭TheBoffin


    It comes down to risk, if you were the only person insured on the car, then it would be seen in the eyes of the insurance as you driving the car 100% of the time, when you add a more experienced driver (not saying that your partner is or is not) the rates can be cheaper if its seen as a 50% split risk between you and your partner.

    Most insurance brokers tend not to explain how savings are had, this is down to how they underwrite a policy. It may very well be the case that they have an underwriter that prefers 2 people on a policy over 1 person.

    Its all guess work unfortunately but one thing is certain, your partners no claims will not be effected as in order to insure under his NCD would require his NCD cert from his current insurer.


  • #4
    remsburgsgirl
    Registered Users, Registered Users 2 Posts: 231 ✭✭remsburgsgirl


    That makes sense, thanks...wish I had known about this years ago!


  • #5
    BillJ
    Registered Users, Registered Users 2 Posts: 635 ✭✭✭BillJ


    Put my girlfriend on my policy recently and got a 300 euro rebate:)

    Must get her to price putting me on hers, 5 years NCB but still a 23 yo male so dont think it will bring it down


  • #6
    wandatowell
    Registered Users, Registered Users 2 Posts: 8,435 ✭✭✭wandatowell


    Also if you add your partner to your policy there is an increased chance that your partner at the very least will call them for a quote when his/her policy is up for renewal. Its a great way for the insurance company to open up more revenue streams.

    Me and my gf have both our houses and cars insured with the same company.


  • Advertisement
Advertisement