Multi car cover - how does it work?

MissShihTzu · 13-01-2022 10:00pm #1

Hi

This might seem like a really dumb question, but had to ask..

We share a car at the moment. The insurance is in my name as I am the more experienced driver and my husband is named on the policy. We (I) have full NCB which is also protected with our current carriers.

We're thinking of getting a second car for me. My husband would keep the existing car, and we thought we'd just stick the second car onto my insurance again with either one of us able to drive either car. So I put the idea to my existing carrier and was somewhat taken aback to be told my husband would have to take out another policy in his name.

I'm from the UK, so not too sure how this works here, but is it possible to have a policy in one name with 2 cars and either one of us able to drive either car?

TIA :)

standardg60 · 13-01-2022 10:07pm

No it isn't, each car must have it's own policy. I have two cars but each has it's own ncb and insurance.

Your husband would have to start his own policy using his named driver experience on your car, while you transfer your policy to the new one.

MissShihTzu · 13-01-2022 10:46pm

That's great. Thank you for the insight. I assume we can still name each other as a driver on each of the cars?

HBC08 · 13-01-2022 11:35pm

https://www.boards.ie/discussion/comment/118470691#Comment_118470691

Yes,you should be able to do that.

It's a bit if a farce of a system but that's what most couples have to do.

Del2005 · 14-01-2022 12:51pm

https://www.boards.ie/discussion/comment/118470691#Comment_118470691

The worse thing is that you could have had him as the main driver on your car to build up his own NCD. Spouses have insurable interests in each others property so can insure it and if you are a 1 car family it's a good idea to alternate the main driver annually.

coylemj · 14-01-2022 3:12pm

https://www.boards.ie/discussion/comment/118473367#Comment_118473367

The ‘main driver’ on any policy is always the policyholder. There is no field on a proposal form where you can name another person as the ‘main driver’.

The issue as the insurance companies see it is that if there are two people and two cars, each of the people will be considered as the main driver of one of the cars. That’s why they want the OP’s husband to take out his own policy.

What the OP may not realise is that even if she was allowed to buy a second policy, she would not get any benefit from her current NCB. So as long as her husband has had a full licence for a few years, a new policy in his name will probably cost the same as it would if she was allowed to insure the second car in her own name e.g. if she was a single person insuring two cars.

Del2005 · 14-01-2022 7:18pm

https://www.boards.ie/discussion/comment/118474491#Comment_118474491

Spouses can be the policy holder on their other half vehicles, that's how you swap main driver. Her husband could have had a full NCD if they'd swapped policy holder annually, now he only has named driver experience so won't have a full NCD