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Named driver question

  • 18-01-2021 1:47pm
    #1
    obi604
    Registered Users Posts: 5,453 ✭✭✭


    hi, married and we have 2 cars


    wife barely drives her car lately with covid etc, her insurance expired a few days ago, she simply forgot to renew but will do it in next day or so



    I have her as a named driver on my car. can she drive my car today and be insured? or does she have to get her own insurance sorted first?


Comments

  • #2
    Allinall
    Registered Users Posts: 6,526 ✭✭✭Allinall


    OP.

    If they’re a named driver on your policy, then they are ok to drive.

    If you think about it, most people start as a named driver, without having a policy of their own.


  • #3
    biko
    Registered Users Posts: 81,223 ✭✭✭✭biko


    Some posts removed.
    Ring your insurer if you have any doubts, or read the documents that you have from the insurer.


  • #4
    obi604
    Registered Users Posts: 5,453 ✭✭✭obi604


    obi604 wrote: »
    hi, married and we have 2 cars


    wife barely drives her car lately with covid etc, her insurance expired a few days ago, she simply forgot to renew but will do it in next day or so



    I have her as a named driver on my car. can she drive my car today and be insured? or does she have to get her own insurance sorted first?


    Following on from this.

    Neither me nor my wife have driven the wife's car in weeks, we have just been using my car only and will continue to do so until lock down relaxes.



    Wife's insurance expired on 6th Jan, is there any issue if she does not renew it for a while, like if she was to renew it on 1st March, would this be an issue? Would insurance companies frown on a gap of no insurance in her own name etc for a few weeks


  • #5
    AndrewJRenko
    Registered Users Posts: 28,324 ✭✭✭✭AndrewJRenko


    obi604 wrote: »
    Following on from this.

    Neither me nor my wife have driven the wife's car in weeks, we have just been using my car only and will continue to do so until lock down relaxes.



    Wife's insurance expired on 6th Jan, is there any issue if she does not renew it for a while, like if she was to renew it on 1st March, would this be an issue? Would insurance companies frown on a gap of no insurance in her own name etc for a few weeks

    You need to ask your own insurance company. If you answered a question stating that your missus had her own car when you put her own the policy, then you should be notifying your insurer of this change in circumstance anyway.


  • #6
    KeithTS
    Registered Users Posts: 743 ✭✭✭KeithTS


    obi604 wrote: »
    Following on from this.

    Neither me nor my wife have driven the wife's car in weeks, we have just been using my car only and will continue to do so until lock down relaxes.



    Wife's insurance expired on 6th Jan, is there any issue if she does not renew it for a while, like if she was to renew it on 1st March, would this be an issue? Would insurance companies frown on a gap of no insurance in her own name etc for a few weeks

    The NCD may expire if the period of insurance isn't continuous.
    I'm basing that off the fact that when I moved from the UK back here a while ago I was told that they would accept my UK no claims discount but couldn't do the same for my other half as there was a 2-3 week gap between one policy expiring to the other starting so perhaps give them a ring and ask them.


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  • #7
    Chiorino
    Registered Users Posts: 621 ✭✭✭Chiorino


    Incorrect, No Claims Discount is valid for 2 years from when policy lapses. Having a UK NCD accepted in ROI is a completely separate matter.

    OP, there should be no problem taking cover back up but renewal quote would no longer be valid at that stage and would have to be re-issued.


  • #8
    KeithTS
    Registered Users Posts: 743 ✭✭✭KeithTS


    Chiorino wrote: »
    Incorrect, No Claims Discount is valid for 2 years from when policy lapses. Having a UK NCD accepted in ROI is a completely separate matter.

    OP, there should be no problem taking cover back up but renewal quote would no longer be valid at that stage and would have to be re-issued.

    Cheers for the clarification. I wasn't stating this as fact, more as a possible issue but it's good info to know!


  • #9
    coylemj
    Registered Users Posts: 25,313 ✭✭✭✭coylemj


    AndrewJRenko wrote: »
    You need to ask your own insurance company. If you answered a question stating that your missus had her own car when you put her own the policy, then you should be notifying your insurer of this change in circumstance anyway.

    +1 OP, that is something worth considering. Your wife's cover could be based on the fact that she has a car of her own and which is insured in her name. In other words, the additional premium you paid to have her named may be significantly reduced by her having her own car. Or they may have charged you nothing to cover her to drive your car because she has her own car.

    So if she no longer has a car insured in her name, your insurance company may regard that as a 'material change' in your circumstances. And you'd be obliged to notify them.

    Check the schedule (Axa now calls it a 'statement of fact') that you got after your last renewal, that may have a section covering the basis for your wife's cover. If it mentions that she has a car insured in her own name then you deffo need to notify them.


  • #10
    obi604
    Registered Users Posts: 5,453 ✭✭✭obi604


    coylemj wrote: »
    +1 OP, that is something worth considering. Your wife's cover could be based on the fact that she has a car of her own and which is insured in her name. In other words, the additional premium you paid to have her named may be significantly reduced by her having her own car. Or they may have charged you nothing to cover her to drive your car because she has her own car.

    So if she no longer has a car insured in her name, your insurance company may regard that as a 'material change' in your circumstances. And you'd be obliged to notify them.

    Check the schedule (Axa now calls it a 'statement of fact') that you got after your last renewal, that may have a section covering the basis for your wife's cover. If it mentions that she has a car insured in her own name then you deffo need to notify them.




    adding my wife to my policy brings my premium down, do this every year, ask if adding my wife will bring it down and theny add her and ut brings my cost down



    had a quick gander at the policy, and statement of fact, mentions her car alright but nothing really there about : is she insured in her own name etc


  • #11
    coylemj
    Registered Users Posts: 25,313 ✭✭✭✭coylemj


    obi604 wrote: »
    had a quick gander at the policy, and statement of fact, mentions her car alright but nothing really there about : is she insured in her own name etc

    I bet it doesn't mention the number of wheels on her car either. Forget the hair-splitting, if they mention her car in the schedule/statement of fact then it's a material fact and you need to notify your insurer if there's a change.


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  • #12
    Eggs For Dinner
    Registered Users Posts: 2,932 ✭✭✭Eggs For Dinner


    If you declare that your spouse has a policy in his/her name and this situation changes, it is (as said above) a material fact and you need to inform your insurer


  • #13
    obi604
    Registered Users Posts: 5,453 ✭✭✭obi604


    Eggs For Dinner wrote: »
    If you declare that your spouse has a policy in his/her name and this situation changes, it is (as said above) a material fact and you need to inform your insurer


    Noted. Will my insurer most likely say she needs to get the policy in her own name ASAP?


  • #14
    Eggs For Dinner
    Registered Users Posts: 2,932 ✭✭✭Eggs For Dinner


    obi604 wrote: »
    Noted. Will my insurer most likely say she needs to get the policy in her own name ASAP?

    They shouldn't. There's no requirement that a named driver has their own policy, it's just that you would have received a discount for her having one. Likely to be a small additional charge


  • #15
    obi604
    Registered Users Posts: 5,453 ✭✭✭obi604


    obi604 wrote: »
    Following on from this.

    Neither me nor my wife have driven the wife's car in weeks, we have just been using my car only and will continue to do so until lock down relaxes.



    Wife's insurance expired on 6th Jan, is there any issue if she does not renew it for a while, like if she was to renew it on 1st March, would this be an issue? Would insurance companies frown on a gap of no insurance in her own name etc for a few weeks


    Hands up. Very thick.
    Forgot the fact that if the Bloody car is stolen from outside the house, I am shagged.

    Better get it insured ASAP.


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