need to disclose if additional driver received points

dublingirl83

ive tried looking this up already and getting conflicting answers so would love if anyone had some experience?

i have class 1 business car insurance in my own name as use my car for work. Historically ive always added my husband to the policy so he could use the car if needed and sometimes it lowered the premium when i added him. he was caught speeding in aug and rightly so has incurred 3 points. im thinking i should remove him from my policy? or just disclose it to provider.i dont want to put my policy at risk especially as i do so much driving.

db

Try removing him and adding open driving. That's what we did and we got a lower quote. Whatever you do don't think he is insured on your car under his own policy.

coylemj

OP needs to read her policy document and the schedule which was provided at the last renewal. The schedule in particular may contain assumptions and/or restrictions around penalty points.

Allianz says that anyone driving your car under open driving must have 'no more than six penalty points or two fixed charge notices'. While the FBD policy document has no mention of the word 'points'.

Allianz and Zurich both say that you must notify them immediately if any insured driver gets penalty points.

The point here being that there is no consistency and, without knowing who the OP's policy is with, nobody here can answer her questions.

The OP's husband needs to check his policy document, to see if there is a restriction on his 'driving other cars' cover. Some policies exclude a car owned by your spouse or anyone in your 'household', some do not. So he could potentially keep driving the OP's car and be covered under his own policy, whether he is named on the OP's policy or not. I stress 'potentially', it depends on what it says in his policy document.