Insuring twins for primary use on a single car?

[tankplanker]

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?

[tankplanker]

davamer23 said:

Are they identical?

Nah, fraternal twins and different sexes, so that is out.

[tankplanker]

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 better

herewego 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]

desolate said:

Insure the vehicle in the name of the person who owns the car

Main driver one of the twins
Add driver 1 the other one
Then the parents


Will make f'all difference if one twin does more miles than the other.

I'm only buying one car, and if I registered the car in favour of one of them then they'd consider they owned it, which I guess they would. This would cause friction that I don't want. I want the cash back when we do sell it at some point, even if its only for scrap.

If you have twins never ever tell them which one was born first, no good will come of it for the majority of twins.

I'm going to go with insuring it for whoever passes their test first, I've a feeling my daughter will pass much quicker based on the Young Driver training and driving done at Mercedes World, would be unfair to make her wait while her brother catches up.

[tankplanker]

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