2 cars in one person's name

Juran

Can a person register 2 cars in their own name? I presume this is OK- both cars will be taxed and insuranced seperatley ?

Thanks

djimi

Of course. Nothing to say you can only register one car in your name.

wexie

As many as you want, I have 2 and I'm sure there are people here that have more than that.

K.Flyer

Of course you can.
There is no limit to the amount of vehicles you can have in your name.

dodzy

Juran wrote: »

Can a person register 2 cars in their own name? I presume this is OK- both cars will be taxed and insuranced seperatley ?

Thanks

17yr old daughter just finished her 12 lessons and got the permit. Need to get her started now. Only option is a small runaround. Intention was to have her as a named driver with me as the main on a 2nd car. Only problem is that you cannot have your NCB on more than one vehicle. €2890 -3rd party on a 99 regd Ford Ka. Not a chance.

djimi

dodzy wrote: »

17yr old daughter just finished her 12 lessons and got the permit. Need to get her started now. Only option is a small runaround. Intention was to have her as a named driver with me as the main on a 2nd car. Only problem is that you cannot have your NCB on more than one vehicle. €2890 -3rd party on a 99 regd Ford Ka. Not a chance.

Some companies offer mirrored NCB across two policies. Ring around and see if anyone will offer it to you.

The risk of course is that a claim on either car means that you lose the NCB on both policies...

mickdw

Yes the NCB is the issue here when attempting to own a second car.
I believe some companies may mirror your no claims history onto a second policy.

I dont blame the insurers for charging mad money when someone suddenly buys a second car and wants to add a young named driver to it. It screams of it being the young persons car.

corktina

They aren't stupid and know full well what you are doing, you can't blame them for charging top money

djimi

corktina wrote: »

They aren't stupid and know full well what you are doing, you can't blame them for charging top money

It seems that some insurers have started adopting the attitude that the highest risk driver named on the policy is the primary driver and are pricing policies accordingly. Cant really argue with this, given how the system has been abused.

Guy:Incognito

djimi wrote: »

It seems that some insurers have started adopting the attitude that the highest risk driver named on the policy is the primary driver and are pricing policies accordingly. Cant really argue with this, given how the system has been abused.

Its fairly obvious most of the time when the 2nd car that a person suddenly decides they want to own is a cheap , small engine one that's very suitable for a first time driver, who incidentally also wants to be insured on said car.

Voodoomelon

What's the deal with actually getting a second policy on a second car? Is it hard to do here?

I've often toyed with the idea of a cheap 1 litre run about for when i'm working on my main car, but a second insurance policy always put me off. The logical thing to do it seems is to put the second, super low-value car under a different family members name and drive it under my main policy third party.

dodzy

corktina wrote: »

They aren't stupid and know full well what you are doing, you can't blame them for charging top money

Absolutely. I understand and am not knocking their policies. Of course they know what my intention is.

BMJD

Voodoomelon wrote: »

What's the deal with actually getting a second policy on a second car? Is it hard to do here?

I've often toyed with the idea of a cheap 1 litre run about for when i'm working on my main car, but a second insurance policy always put me off. The logical thing to do it seems is to put the second, super low-value car under a different family members name and drive it under my main policy third party.

AIG will mirror your normal policy, they won't do any interesting (read: fast) cars though. I think AXA will do it too but you must have your other policy with them as well.

jayok

FWIW - Aviva mirrored my policy from my daily driver an Accord 2.4 into a second policy on a Honda S2000. The only stipulation was that the S couldn't be used for work purposes (I've work purposes on my Accord). Other that that it was the full NCB with step-back, etc.

It seemed more acceptable to have a "sporty" second weekend car and I'd no issue doing it.

coylemj

BMJD wrote: »

AIG will mirror your normal policy, they won't do any interesting (read: fast) cars though. I think AXA will do it too but you must have your other policy with them as well.

I had a 96 Fiat Bravo which was five years old in 2001 and was changing to a bigger car but thought of keeping the Bravo as a town runabout with third party only insurance as it's residual value was low so I wasn't going to get much for it.

I asked Axa for a quote to keep the Bravo as a second car with only me as the driver and the car parked in my drive (low risk area) when it wasn't being driven and was shocked at the quote, it meant that keeping it as a second car was out of the question. Things may have changed since but I was definitely getting no NCB on the second car so it had to go!