Insurance advice

JBuk

JBuk

JBuk

Soldato
Joined
28 Nov 2002
Posts
11,246
Location
Cumbria
I currently have 1 car (fiesta st) and have had my license for about 9 years, my wife has driven most of her life but has only held a Uk license (automatic only) for under a year

I have Just ordered a new car, I will be the owner and registered keeper , my wife will use it for work Monday to Friday , short drive less than 1km, I will drive it all other times

I will keep the fiesta and use that for work


What would probably be the best way(cheapest) to insure both cars , fiesta st solely for me and new car for me and the missus?
 
Is the new car auto?

Whos no claims are where?

If the missus has no ncb then you as main driver on both tbh, HOWEVER if shes using it 5/7 days they may see this as fronting.
If the new car is pretty much for the missus as your post suggests then it should be insured in her name with her as the main driver.
 
~Divine~Wind~ said:
If the new car is pretty much for the missus as your post suggests then it should be insured in her name with her as the main driver.
Click to expand...
The op can still be the policy holder on both as long as it's clearly stated that his wife is the main driver on whichever policy.

Both of my car policies are in my name, and I have 2 separate NCD trails, but my wife is named as the main driver on one of the policies
 
JBuk said:
I currently have 1 car (fiesta st) and have had my license for about 9 years, my wife has driven most of her life but has only held a Uk license (automatic only) for under a year

I have Just ordered a new car, I will be the owner and registered keeper , my wife will use it for work Monday to Friday , short drive less than 1km, I will drive it all other times

I will keep the fiesta and use that for work


What would probably be the best way(cheapest) to insure both cars , fiesta st solely for me and new car for me and the missus?
Click to expand...

Your wife will need to be declared as the main driver of the new vehicle. If you don't then you're on the hook for insurance fraud as it's an offence known as fronting.

Curious as to why, given that the new car is primarily for your wife, that she's not the registered keeper?

As for the cheapest options, probably a multi-car policy.
 
My ncb is 9 years , mrs has none

New car is automatic , I wanted auto and it make sense that she can also drive it


The car is bought and will be registered to me as she wouldn’t be able to get the finance , we’re both paying halfs though (or probably in my wife’s maths that means I pay 75% haha)

The car was originally for me and still is really , it just makes more financial sense atm to keep my fiesta and she can use the new car for commuting to work

I’m not sure if I should class her as the main driver as she will drive it for about 15 minutes per day and me mostly the rest of the time , I don’t know how it all works as it will probably end up me spending more actual time behind the wheel but maybe simpler just to class her as the main
 
JBuk said:
I’m not sure if I should class her as the main driver as she will drive it for about 15 minutes per day and me mostly the rest of the time , I don’t know how it all works as it will probably end up me spending more actual time behind the wheel but maybe simpler just to class her as the main
Click to expand...
If she's commuting to work in it every day, then that would generally be "main driver" regardless of time/distance
 
JBuk said:
I’m not sure if I should class her as the main driver as she will drive it for about 15 minutes per day and me mostly the rest of the time , I don’t know how it all works as it will probably end up me spending more actual time behind the wheel but maybe simpler just to class her as the main
Click to expand...

She's going to be using the car a minimum of 5 of 7 days under normal circumstances, based on your OP. That's what the insurance companies use as metric to determine who is the main driver.
 
I’d speak to your current insurers. Sometimes they can swap the NCB about if the policy is in your name, so you might get 9 on the new one which could bring it down substantially. They are the best people to talk to if you want to avoid bother in the future.
 
SaBBz said:
If it’s going to take her 15 minutes to do 2km maybe she should just walk instead..?
Click to expand...

I’ve just checked on Google maps and I was way out with my guess of less than 1km, it’s actually 1.5 miles which is about 30 minutes to walk

dlockers said:
Wife should walk to work and stop being lazy
Click to expand...

She’s far from a lazy person but walking is not a strong point for her, she also has a bad knee which miraculously doesn’t hurt when walking around clothes shops ;)



Thanks for the advice guys , I’ll look into multi car policies with with wife named as main driver on new car
 
You must log in or register to reply here.
Back
Top Bottom