Cant hold two insurance policies in my own name with named driver? What is this bs?

arleitiss · 07-09-2015 3:06pm #1

Got 2nd car, wanted to get 2nd policy for it but was refused because apprently I can't be main driver + 1 named driver on two cars.

What is this ****? Any workaround it?

To Elland Back · 07-09-2015 3:55pm

You can have as many policies as you like in your own name. Do you want to add a class of driver (young, learner's permit, different address) that might make them suspicious it is for them to use as a primary vehicle?

Henry Ford III · 07-09-2015 3:59pm

Something fishy going on here perhaps?

Eric Cartman · 07-09-2015 4:02pm

are you trying to be named drive on a car that would be very hard to insure as the main driver ?

arleitiss · 07-09-2015 4:04pm

More details:

I am 22, currently driving golf mk4 2001 - 1.4.
Have 3 years no claims bonus.

My mother is named driver (provisional)

I bought another car, opel corsa 2008, 1.0,

Wanted to get policy for it to be main driver + named driver.

Basically two same policies on two different cars.

Eric Cartman · 07-09-2015 4:06pm

shouldn't be an issue but your ncb won't carry over.

suggestion would be to make your mother the main driver on the other car and you go named driver on that one.

5W30 · 07-09-2015 4:42pm

Eric Cartman wrote: »

suggestion would be to make your mother the main driver on the other car and you go named driver on that one.

Exactly, especially if she is involved in a crash and ends up claiming. You don't want to lose your NCB, not at 22 anyway.

Chris_Heilong · 07-09-2015 5:02pm

Thats the crazy thing, In Ireland you can only have a NCB history on one car at a time.

ei9go · 07-09-2015 6:40pm

A while back I had an IS200 and a 1.3 Yaris insured with no difficulty from the AA. Also had the same named driver on both of them.

Think the policies were with two different companies

zl1whqvjs75cdy · 07-09-2015 6:47pm

Ncb won't carry as said. I'd also consider getting Ncb protection for both policies as a claim on one can affect the Ncb on the other as far as I know.

arleitiss · 07-09-2015 7:26pm

Well, I called:

My brokers who gave me insurance at AXA for Golf.
And then I called AXA directly, and this happened.

Should I try AA or other insurance companies?

Stheno · 07-09-2015 7:27pm

arleitiss wrote: »

Well, I called:

My brokers who gave me insurance at AXA for Golf.
And then I called AXA directly, and this happened.

Should I try AA or other insurance companies?

Are you trying to do this so that the second policy is cheaper with you and not your mother as the main driver?

arleitiss · 07-09-2015 7:45pm

Stheno wrote: »

Are you trying to do this so that the second policy is cheaper with you and not your mother as the main driver?

Not only that, but also avoiding all the possible crap with changing car ownership. Was told today that car needs to be owned by my mother in order to get her insured as main driver.

Gumbo · 07-09-2015 8:54pm

arleitiss wrote: »

Not only that, but also avoiding all the possible crap with changing car ownership. Was told today that car needs to be owned by my mother in order to get her insured as main driver.

That's true. Only husband and wife can have main polices with the other as owner.

You were probably trying to use your NCB on 2 separate cars????

arleitiss · 07-09-2015 9:04pm

kceire wrote: »

That's true. Only husband and wife can have main polices with the other as owner.

You were probably trying to use your NCB on 2 separate cars????

Yes.

Stheno · 07-09-2015 9:08pm

arleitiss wrote: »

Yes.

You can't do that, you'd have to get a policy with no ncb

arleitiss · 07-09-2015 9:16pm

Stheno wrote: »

You can't do that, you'd have to get a policy with no ncb

I see why I was refused now.
Thanks, I will try again tomorrow.

Cant hold two insurance policies in my own name with named driver? What is this bs?

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