Joint Car Insurance

Tideswell

Does anyone know of any company that offer couples or joint car insurance on two cars?

Thanks

Cleveland Hot Pocket

Tideswell wrote: »

Does anyone know of any company that offer couples or joint car insurance on two cars?

Thanks

Couldn't you put each of you as named drivers on the other's policy?

Tideswell

Yes, of course. I was just wondering if any one knew of any joint policies that are available.

djimi

Im not sure that anyone in Ireland offers this kind of service. Best you could do perhaps is get in contact with a broker and see if they could get you a deal whereby you get two policies for a decent rate with the same company or something like that.

Tideswell

Thanks djimi

corktina

You can get Multicar in the UK but not here. Is that what you were thinking of OP?

Tideswell

Hi corktina

Yes, that's the sort of thing I was thinking of. It's not available here, no?

Marcusm

UK multicar insurance still has a single policyholder although there is the provision for named drivers as in Ireland. I think there is generally a single policyholder because there is only a single registered keeper. I co-own a car with a friend. He is the registered keeper and policyholder; I am a named driver.

visual

Cleveland Hot Pocket wrote: »

Couldn't you put each of you as named drivers on the other's policy?

Why bother
If they both insure their cars they can drive the other under 3rd party
the fully comp remains with the car.

djimi

visual wrote: »

Why bother
If they both insure their cars they can drive the other under 3rd party
the fully comp remains with the car.

If they drive each others cars 3rd party and crash then they only have 3rd party cover.

jimgoose

visual wrote: »

Why bother
If they both insure their cars they can drive the other under 3rd party
the fully comp remains with the car.

Does it buggery.

visual

djimi wrote: »

If they drive each others cars 3rd party and crash then they only have 3rd party cover.

The fully comp is still active on car

djimi

visual wrote: »

The fully comp is still active on car

No its not. If someone is driving the car using the third party extension cover from their policy then that is the only cover that the car has, while it is being driven by that person. If they crash the car and have reason to claim then only the third party will be covered; the insurer of the cars owner will not want to know.

loinnsigh

My wife and I are both insured with Aviva - Fully comp on both cars. 2 separate policies. They give a discount because we're both insured with them. (Also got a discount on the house insurance due to having the cars insured with them.) Might be worth a look.

AFAIK the fully comp remains with the driver. If I crash my wife's car, it would come out of my policy (and would affect my NCD).

Tideswell

Thanks loinnsigh

visual

djimi wrote: »

No its not. If someone is driving the car using the third party extension cover from their policy then that is the only cover that the car has, while it is being driven by that person. If they crash the car and have reason to claim then only the third party will be covered; the insurer of the cars owner will not want to know.

They never want to know but the fully comp and F&T arent on the person they are on the listed car. 3rd party covers the named driver

You dont even to have someone in the car to claim from fully comp or F&T

djimi

visual wrote: »

They never want to know but the fully comp and F&T arent on the person they are on the listed car. 3rd party covers the named driver

You dont even to have someone in the car to claim from fully comp or F&T

They are on the policy holder and any named drivers who are driving the car. Someone else driving the car is doing so using their policy, not the policy that is active on the car.

Try and claim on your policy where a (non named driver) mate was driving the car and see how far you get...

Seve OB

loinnsigh wrote: »

My wife and I are both insured with Aviva - Fully comp on both cars. 2 separate policies. They give a discount because we're both insured with them. (Also got a discount on the house insurance due to having the cars insured with them.) Might be worth a look.

solid advice is this for the OP, it is the best you will get for what you are asking. not just Aviva, but most will offer discount for multiple policies, and not just car insurance, but if you have health/house insurance with them too.

you would probably be better off putting each other as named drivers on the others policy also. you will actually get further discount for this.

loinnsigh wrote: »

AFAIK the fully comp remains with the driver. If I crash my wife's car, it would come out of my policy (and would affect my NCD).

you driving your wifes car on your own policy..... you are wrong. you are only covered third party. the only exception that i know to this is with AXA if you have been with them for a long period of time, will allow you to drive others cars fully comp.

think about it. i want fully comp on a real fancy car, but its crazy money, so i then get fully comp on something cheap and cheerfull.. where is the logic that now allows me to drive the fancy car fully comp?

as far as i am aware, the other car must also be insured by another individual.

Tideswell

Thanks stevieob

loinnsigh

stevieob wrote: »

you driving your wifes car on your own policy..... you are wrong. you are only covered third party. the only exception that i know to this is with AXA if you have been with them for a long period of time, will allow you to drive others cars fully comp.

Sorry should have been clearer - 2 policies, but we're both named drivers on the other's policy. Therefore we're both fully comp on both cars.