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Insurance help please?

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  • 04-10-2014 10:13pm
    #1
    dayvidh
    Registered Users Posts: 6 ✭


    so i've got my provisional early this year and started a new jobs and need a car to get to work insurance is my biggest problem. i plan to go a policy with my grandad being the policy holder and me being a named driver. my question(s) are, can my grandad have a policy on his own car and have another on a different car? can he use his no claims policy on two policy's?/ or can he only use it on one policy? cheers
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    #2
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Social & Fun Moderators, Society & Culture Moderators Posts: 51,687 Mod ✭✭✭✭Stheno


    dayvidh wrote: »
    so i've got my provisional early this year and started a new jobs and need a car to get to work insurance is my biggest problem. i plan to go a policy with my grandad being the policy holder and me being a named driver. my question(s) are, can my grandad have a policy on his own car and have another on a different car? can he use his no claims policy on two policy's?/ or can he only use it on one policy? cheers

    No he can't use his no claims on two cars, he will have to start fresh, and it will probably cost as much as you getting your own insurance.

    Get your own insurance and start building up NCB for yourself.

    Are you planning to drive to work on your own?


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    #3
    dayvidh
    Registered Users Posts: 6 ✭dayvidh


    Stheno wrote: »
    No he can't use his no claims on two cars, he will have to start fresh, and it will probably cost as much as you getting your own insurance.

    Get your own insurance and start building up NCB for yourself.

    Are you planning to drive to work on your own?

    yeah i was looking at my own policy it would cost 3500€ a year its far to expensive for me atm
    and yes and no about driving by my self i know if im on my own im not covered am i right?


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    #4
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Social & Fun Moderators, Society & Culture Moderators Posts: 51,687 Mod ✭✭✭✭Stheno


    dayvidh wrote: »
    yeah i was looking at my own policy it would cost 3500€ a year its far to expensive for me atm
    and yes and no about driving by my self i know if im on my own im not covered am i right?

    Getting another person as the main person on the policy is called fronting and insurance companies are well copped to it, so you'll just have to cough up the 3.5k

    Not sure if you are not covered, but it's illegal and if the cops get you, it's a 1k fine iirc


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    #5
    dayvidh
    Registered Users Posts: 6 ✭dayvidh


    Stheno wrote: »
    Getting another person as the main person on the policy is called fronting and insurance companies are well copped to it, so you'll just have to cough up the 3.5k

    Not sure if you are not covered, but it's illegal and if the cops get you, it's a 1k fine iirc

    so whats the point of named drivers then if you just get caught? ive got a mate who's on his mums insurance on a punto and he didn't have any problems?


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    #6
    challengemaster
    Registered Users Posts: 16,931 ✭✭✭✭challengemaster


    dayvidh wrote: »
    so whats the point of named drivers then if you just get caught? ive got a mate who's on his mums insurance on a punto and he didn't have any problems?

    Named drivers are intended as people that occasionally drive the car. The main driver of the car is supposed to be the policy holder.

    Just because your friend is getting away with it, doesn't mean it's not illegal.


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    #7
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Social & Fun Moderators, Society & Culture Moderators Posts: 51,687 Mod ✭✭✭✭Stheno


    dayvidh wrote: »
    so whats the point of named drivers then if you just get caught? ive got a mate who's on his mums insurance on a punto and he didn't have any problems?

    Has he tried to claim for an accident yet?


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    #8
    dayvidh
    Registered Users Posts: 6 ✭dayvidh


    challengemaster wrote: »
    Named drivers are intended as people that occasionally drive the car. The main driver of the car is supposed to be the policy holder.

    Just because your friend is getting away with it, doesn't mean it's not illegal.

    yeah but i wont be the car owner the policy holder will own the car which he does.. its in his name,...


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    #9
    dayvidh
    Registered Users Posts: 6 ✭dayvidh


    Stheno wrote: »
    Has he tried to claim for an accident yet?
    no not yet he's got a punto his mum is the car owner he is a named driver who drives to work on saturdays is that still illegal?


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