2 Insurance policies

[Sparkzz]

Hi all,

Just a quick one. My brain is frazzled as I've been studying all day, so if it's a dumbo question, I'm excused.

My missus has just started driving, looking for a car for her. It seems to be cheaper for me to start a new insurance policy, list her as the main driver and me as a named driver (I will be policy holder, not main driver, but I will drive occasionally)

If she had an accident in her car, how does this effect my policy on my car (she is not named on it, I am the only driver and sole policy holder)

As I understand it, if I had an accident in her car I'd have to tell my insurance company, but if she had one, what would happen?

Thanks

[Sparkzz]

It's cheaper for me to be the policy holder. It comes under my duties to deal with cars, bins and finance. She does cooking, cleaning and weekly shop.

[Sparkzz]

spitfire-ian said:

Sometimes cheaper isn't necessarily better.

It's only a cheap car, third party insurance. I'll not make myself the policy holder if it's going to potentially effect me.

[Sparkzz]

Spitfire2 said:

It shouldn't be cheaper. I suspect you are trying to use your no claims twice which isn't generally permitted

Nope.

To be honest, I've got my answer now. As usual the thread is going to descend into criticism of the OP and suggestions of doing something wrong. As I said before, It's cheaper for me to be the policy holder, which was the purpose of the question, does it effect my other policy, I'm not trying to use my NCB twice, as that would be wrong and stupid.