Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Car insurance question?

  • 09-11-2015 10:54am
    #1
    Redgirl82
    Closed Accounts Posts: 1,252 ✭✭✭


    Just checking if anyone has set up something similar. I am finished soon with company car, I was planning on just renewing but as it get closer I am starting to wonder should I or just go for personal car

    Big question is insurance. I am checking with insurance companies to see if they will take into consideration my company car no claims but 2 already have said they won't....

    My better half has always had his own car without any claims etc on it. I am already a named driver on his policy, both of us have no penalty points.

    I havent priced yet but I would guess my insurance will be massive with no claims bonus.

    Someone said at weekend why don't I just add another car to his policy and have myself as named driver. Is this actually possible? Just wondering does anyone do this? Is there any disadvantages?


Comments

  • #2
    acronym Chilli
    Registered Users, Registered Users 2 Posts: 527 ✭✭✭acronym Chilli


    I think your partner will find it difficult/impossible to add a second car to his policy (I was outright refused, but I've known it to work). In any case, if you're the primary user of the vehicle, it's not allowed to get it insured in someone else's name, there's even a name for it "fronting" https://www.google.ie/search?q=insurance+fronting&ie=utf-8

    You need to ring a bunch of insurers. It's not inconceivable that you get a No Claims Bonus on the basis of named driving (I got full NCB 3 years ago, on basis of 15 years named driver experience) and/or company car use. But you'll only likely get this on phone as the online forms can be a bit rigid (whereas a sales agent has the discretion to consult the risk team and get a decision made). Also, until you know what you're being quoted you don't know what the impact of no/limited NCB is (it's a percentage of the premium, the worse your base premium is the bigger a deal it is to have no NCB).

    Good place to start:
    http://www.boards.ie/vbulletin/showthread.php?t=2056886438


  • #3
    Redgirl82
    Closed Accounts Posts: 1,252 ✭✭✭Redgirl82


    acronym Chilli wrote: »
    I think your partner will find it difficult/impossible to add a second car to his policy (I was outright refused, but I've known it to work). In any case, if you're the primary user of the vehicle, it's not allowed to get it insured in someone else's name, there's even a name for it "fronting" https://www.google.ie/search?q=insurance+fronting&ie=utf-8

    You need to ring a bunch of insurers. It's not inconceivable that you get a No Claims Bonus on the basis of named driving (I got full NCB 3 years ago, on basis of 15 years named driver experience) and/or company car use. But you'll only likely get this on phone as the online forms can be a bit rigid (whereas a sales agent has the discretion to consult the risk team and get a decision made). Also, until you know what you're being quoted you don't know what the impact of no/limited NCB is (it's a percentage of the premium, the worse your base premium is the bigger a deal it is to have no NCB).

    Good place to start:
    http://www.boards.ie/vbulletin/showthread.php?t=2056886438

    Thanks, I was thinking there was something which wouldn't allow me just to put car onto his policy.


Advertisement