Two insurance policies for two different cars (& named driver)

rizzodun

The good lady is looking for a car for herself, she's currently on a provisional with 3 years NCB, I have full license with full NCB, and she is currently as a named driver on my policy for my car, so I'm wondering about insurance, particularly the following:

Can I get a another policy in my name on a second car, and put her as a named driver?

Can I use my full NCB for this second policy also?

The preferable outcome would be myself having two policies, with herself as named driver on both.
Obviously, it would be much cheaper to have me as the policy holder with a full license, and herself as a named driver.
FAQ and search didn't prove too fruitful for me.

YumDeiseMum

rizzodun wrote: »

The good lady is looking for a car for herself, she's currently on a provisional with 3 years NCB, I have full license with full NCB, and she is currently as a named driver on my policy for my car, so I'm wondering about insurance, particularly the following:

Can I get a another policy in my name on a second car, and put her as a named driver?

Can I use my full NCB for this second policy also?

The preferable outcome would be myself having two policies, with herself as named driver on both.
Obviously, it would be much cheaper to have me as the policy holder with a full license, and herself as a named driver.
FAQ and search didn't prove too fruitful for me.

Yes you can insure another vehicle in your name with herself as named driver. However you cannot use your full no claims bonus on both. You would be starting from scratch on the new policy.
I think that some companies used allow you split your NCB between vehicles but am not sure if you still can

rizzodun

YumDeiseMum wrote: »

Yes you can insure another vehicle in your name with herself as named driver. However you cannot use your full no claims bonus on both. You would be starting from scratch on the new policy.
I think that some companies used allow you split your NCB between vehicles but am not sure if you still can

Do you know if companies do any type of deals regarding a second policy? Seems a bit mad you can't use your NCB for a second policy, seeing as it is proof of low risk as such.

guil

Try a few brokers. You'll likely find it will be cheaper to put the policy in your ladies name. Has she got 3 years NCB or is it as a named driver? Most companies don't treat them as same.

rizzodun

Her 3 years NCB is as a named driver, I'd like to leave it open for her to drive both, but the cheapest option, obviously, I have a name of a decent broker, but I'm with FBD, and was wondering what sort of deal I can expect to get, I was hoping my NCB could be used for both, as currently I have herself on my FBD policy for no extra charge, which works out at a good rate especially as she is not fully licensed yet.

rocky

Will she be the main driver of the second car? If so it might be illegal for her to be named driver... aka fronting.

challengemaster

rizzodun wrote: »

Her 3 years NCB is as a named driver

Don't confuse the two, named driver experience is not the same as no claims bonus.

mik_da_man

This is possible, I've done on my cars.
I went through my broker www.arachas.ie

Basically they found me a company that would mirror my NCB on the second car.
I think it was Setanta that did it.

Then after one year I had two separate full NCB policies

djimi

She passes her test and this becomes a much more straightforward (and cheaper) situation.

rizzodun

rocky wrote: »

Will she be the main driver of the second car? If so it might be illegal for her to be named driver... aka fronting.

Most probably, yes, didn't know that could be illegal though, interesting, sounds like one of those laws that can never be enforced, IMO.

I'm going to give the companies a ring tomorrow to see what sort of cost it'll be, but I'm going to be honest about the use of the car, just wondering about how much it would cost in all, car insurance in Ireland really isn't as transparent as it probably could be.

The main reason for getting a second car is that she is terrified to drive mine in case she would damage it, wants something a bit smaller and can have something to drive about when she passes the test while I'm away at work. I may not go ahead looking for a second car if it looks like I'll be taken to the cleaners by the insurance companies for the privilege.

rizzodun

djimi wrote: »

She passes her test and this becomes a much more straightforward (and cheaper) situation.

Agreed!