Insuring twins for primary use on a single car?
Discussion
My kids are 17 next year and once they have passed their test they'll be sharing a car to drive to 6th form. They will be the primary users of the car, mileage roughly equal between them. While we will use the car it'll be very occasionally (most likely to fill it up once a week) they will be driving the majority of the miles. However I'm not expecting either of the twins to drive many more if at all than the other in the car.
Normally I'd put whoever does the most miles down in a car as the primary driver for the insurance, but there is no clear winner in this case, if I put one of them down then sods law says the other will do a couple of hundred miles more than the other. What is the correct thing to do with the car insurance?
Normally I'd put whoever does the most miles down in a car as the primary driver for the insurance, but there is no clear winner in this case, if I put one of them down then sods law says the other will do a couple of hundred miles more than the other. What is the correct thing to do with the car insurance?
tankplanker said:
My kids are 17 next year and once they have passed their test they'll be sharing a car to drive to 6th form. They will be the primary users of the car, mileage roughly equal between them. While we will use the car it'll be very occasionally (most likely to fill it up once a week) they will be driving the majority of the miles. However I'm not expecting either of the twins to drive many more if at all than the other in the car.
Normally I'd put whoever does the most miles down in a car as the primary driver for the insurance, but there is no clear winner in this case, if I put one of them down then sods law says the other will do a couple of hundred miles more than the other. What is the correct thing to do with the car insurance?
Pick one at random, toss a coin, however they usually decide between them. Next year, put it in the other's name. That way, they'll build NCB equally albeit at half the speed they would otherwise...Normally I'd put whoever does the most miles down in a car as the primary driver for the insurance, but there is no clear winner in this case, if I put one of them down then sods law says the other will do a couple of hundred miles more than the other. What is the correct thing to do with the car insurance?
tankplanker said:
My kids are 17 next year and once they have passed their test they'll be sharing a car to drive to 6th form. They will be the primary users of the car, mileage roughly equal between them. While we will use the car it'll be very occasionally (most likely to fill it up once a week) they will be driving the majority of the miles. However I'm not expecting either of the twins to drive many more if at all than the other in the car.
Normally I'd put whoever does the most miles down in a car as the primary driver for the insurance, but there is no clear winner in this case, if I put one of them down then sods law says the other will do a couple of hundred miles more than the other. What is the correct thing to do with the car insurance?
Tell the insurer everything and let them make the decision?Normally I'd put whoever does the most miles down in a car as the primary driver for the insurance, but there is no clear winner in this case, if I put one of them down then sods law says the other will do a couple of hundred miles more than the other. What is the correct thing to do with the car insurance?
Vaud said:
Tell the insurer everything and let them make the decision?
That is my last resort, but I'd rather know before I spoke to the insurer as being informed usually works out betterherewego said:
They're not even 17 until 2018.
It has been bugging me and costs nothing to ask.KevinCamaroSS said:
Run two sets of quotes and choose whichever one returns the cheapest quote. Of course, there should not be a difference but who knows.
This is what I'll probably end up doing if there isn't a clear cut answer. I would guess the girl would come out cheaper.tankplanker said:
his is what I'll probably end up doing if there isn't a clear cut answer. I would guess the girl would come out cheaper.
On identical data they shouldn't."It used to be easy to find cheap car insurance for women. But since a recent EU ruling, insurance companies are no longer able to automatically reward careful female drivers with cheaper premiums based on their gender. "
There are some insurers who provide for a named driver discount.
I think the way it works is that as long as the named driver stays with the insurer, their own separate ncd is transferable to a policy in their own name. Sooner or later they'll both want their own cars. If they both build some ncd this it won't be so painful for them.
I think the way it works is that as long as the named driver stays with the insurer, their own separate ncd is transferable to a policy in their own name. Sooner or later they'll both want their own cars. If they both build some ncd this it won't be so painful for them.
tankplanker said:
Vaud said:
Tell the insurer everything and let them make the decision?
That is my last resort, but I'd rather know before I spoke to the insurer as being informed usually works out betterherewego said:
They're not even 17 until 2018.
It has been bugging me and costs nothing to ask.KevinCamaroSS said:
Run two sets of quotes and choose whichever one returns the cheapest quote. Of course, there should not be a difference but who knows.
This is what I'll probably end up doing if there isn't a clear cut answer. I would guess the girl would come out cheaper.
Rude-boy said:
V8 Fettler said:
Fastpedeller said:
Well it's obvious..... the oldest will be the lower price 
ETA should I have said eldest?
...erETA should I have said eldest?
My question goes wider than insurance as it won't take a genius to work out two siblings born on the same date -might- be twins. Just thinking generically - if they're fraternal and they look noticeably different (to simplify, the male shaves his head but grows a beard and the female dyes her hair and wears pigtails), there's nothing to stop people thinking one is older than the other. Is there actually anything wrong with saying "yes, we're brother and sister" rather than saying "we're actually twins"?
I ask out of curiosity as I knew two non-identical twins from my high school days. John has a respectable job, is happily married with a toddler and one on the way. The last I heard of Jane is that she was serving time for armed robbery. Names obviously changed. I suspect the term "twin" has been retired for "sibling" given the disparity in life quality.
Rude-boy said:
V8 Fettler said:
Fastpedeller said:
Well it's obvious..... the oldest will be the lower price
ETA should I have said eldest?
...erETA should I have said eldest?
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