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Can I get fully comprehensive insurance for my wife, on my car?

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  • 27-02-2022 6:50pm
    #1
    Black_Knight
    Moderators Posts: 12,363 ✭✭✭✭


    Up until today, we've always had 2 cars. We've sold my wife's car now. She's currently a named driver on my insurance, and as far as I know she's insured through her own insurance, fully comprehensive, on my car.

    Now that her car is sold, and this we'll be cancelling her insurance, can I have her as a named driver on my car, fully comprehensive?

    Additionally, should be swap the principle driver every year so we both maintain our NCB?

    Post edited by LIGHTNING on


Best Answer

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    #1
    Wildly Boaring
    Registered Users Posts: 3,629 ✭✭✭Wildly Boaring


    Yes. Make sure she's named on your fully comp policy.


    Yes. Swap every year. NCB lasts 2 years. Keep them both.


    She can insure your car fully comp as you're married. Most companies ask. If they don't just make sure she tells them it's her husband's car.



Answers

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    #2
    galvo_clare
    Registered Users Posts: 668 ✭✭✭galvo_clare


    Just add her as a named driver on your policy. Not sure if you can swap over to keep both NCDs but I doubt it. A NCD lasts for two years generally.



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    #3
    Sarn
    Registered Users Posts: 3,060 ✭✭✭Sarn


    Just to confirm that swapping the policy over every year on the same car keeps the full NCB going for both. No need to switch ownership as a spouse has an insurable interest in the car.



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    #4
    Black_Knight
    Moderators Posts: 12,363 ✭✭✭✭Black_Knight


    https://www.boards.ie/discussion/comment/118704824#Comment_118704824

    Yup. That was my thinking. Thanks for confirming.


    My wife is already a named driver on my insurance. I'll ring them anyways to make sure.



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