Adding wife as a named driver on insurance drives up premium

Dr.Winston O'Boogie

Hi all,

I am currently insured with Bank of Ireland, fully comp. My wife has started driving recently and wants to get insured on my car as a named driver. She is currently only on a provisional license but needs to practice until she gets her full license. I rang BOI and they have advised it would be an additional 330 euro on my policy to insure her as a named driver for the rest of my policy (valid until end of Jan 2017). Does this seem excessive or would this be standard? Seems like a lot, particularly when she will only be driving it very sporadically and I am already paying for fully comp.

godtabh

she is a higher risk. Therefore higher insurance. When you are both fully licensed drivers the premium should be less than what you are paying now.

Dr.Winston O'Boogie

Yeah I thought that might be the case but would shopping around be an idea? Can she source her own insurance as a named driver with another provider or would it need to be done via my policy?

hognef

godtabh wrote: »

she is a higher risk. Therefore higher insurance. When you are both fully licensed drivers the premium should be less than what you are paying now.

Why? Won't she still be (deemed) the higher risk, given her relative lack of driving experience?

(Assuming, by 'paying now', you mean before adding her to the policy).

godtabh

hognef wrote: »

Why? Won't she still be (deemed) the higher risk, given her relative lack of driving experience?

(Assuming, by 'paying now', you mean before adding her to the policy).

Once she passes her test the risk will be reduced. She will also be able to use the car on her own. The risk then balances out between the male/female driver.

coylemj

Dr.Winston O'Boogie wrote: »

Yeah I thought that might be the case but would shopping around be an idea? Can she source her own insurance as a named driver with another provider or would it need to be done via my policy?

To drive your car on a learner permit, she has to be a named driver on your policy, there is no other option.

Even if she bought her own car and took out her own insurance, she still wouldn't be covered to drive your car without being a named driver on your policy because the cover on a learner's insurance is typically restricted to the car specified on their policy i.e. there is no cover for 'driving other cars'.

Gael23

I don't think that's too bad really. She has no driving history and no NCB.

Lia_lia

It's normal. Was around the same amount to add my OH who is learning.

Dr.Winston O'Boogie

Cheers all looks like no other option so!

Wooha

Try axa. They told me last week that my insurance is lower because I have my husband on a provisional license on my insurance.
Apparently if he was only my boyfriend it would be higher.
Something to do with being more "mature" because we are married...

loconnor1001

I added my husband as a named driver this year and mine went down by 60 Euro. I'm with Axa. Although he has had his provisional for some time.