Named driver, swapping cars ?
Discussion
I have an M135i, my son has a Fiesta ST, he has asked on occasion if he can have a go of my car, he is 25 at the end of November so was thinking I may pay the extra £100 odd and get him on my insurance.
He is currently staying in Scotland, if I make him a named driver on my car, I am already one on his, if he takes my car and leaves me his for a couple of weeks are we breaching any insurance rules there ?
He is currently staying in Scotland, if I make him a named driver on my car, I am already one on his, if he takes my car and leaves me his for a couple of weeks are we breaching any insurance rules there ?
tighnamara said:
Does he live at home and have the same post code or would he be using the car from his own home and different post code ?
Doesn't matter. There's no policy condition to say named drivers have to live with the policyholder, and if the arrangement is temporary, and the policyholder's postcode is still the postcode where the car is predominantly kept over the course of the year, then all's fine. He lives near Prestwick airport, his car is insured there, its fairly rural.
Mine is due renewal, will ring up and ask the question as part of getting the new policy, normally more amenable before they get your money
Tempted to get his and let him keep the BMW, then tune the Fiesta up to 300 bhp, love it but it just needs a bit more go.
Mine is due renewal, will ring up and ask the question as part of getting the new policy, normally more amenable before they get your money
Tempted to get his and let him keep the BMW, then tune the Fiesta up to 300 bhp, love it but it just needs a bit more go.
TwigtheWonderkid said:
tighnamara said:
Does he live at home and have the same post code or would he be using the car from his own home and different post code ?
Doesn't matter. There's no policy condition to say named drivers have to live with the policyholder, and if the arrangement is temporary, and the policyholder's postcode is still the postcode where the car is predominantly kept over the course of the year, then all's fine. It's good to be safe but I think OP is overthinking it.
The majority of people cohabiting in 2+ car households will have a car each, with their partner as a named driver, and head out in each others' cars without giving it a moment's thought beyond "which car is best suited to what I'm heading out for?"
Being such a standard way of doing things, if it was an issue we'd have had all the media attention like we had with:
- insurance fronting
- people assuming they have doc cover when they don't,
- people using their car to drive to a different place of work to their usual without business insurance cover.
- people thinking you can legitimately buy cheap insurance from some bloke down the pub/kebab shop.
The majority of people cohabiting in 2+ car households will have a car each, with their partner as a named driver, and head out in each others' cars without giving it a moment's thought beyond "which car is best suited to what I'm heading out for?"
Being such a standard way of doing things, if it was an issue we'd have had all the media attention like we had with:
- insurance fronting
- people assuming they have doc cover when they don't,
- people using their car to drive to a different place of work to their usual without business insurance cover.
- people thinking you can legitimately buy cheap insurance from some bloke down the pub/kebab shop.
donkmeister said:
It's good to be safe but I think OP is overthinking it.
The majority of people cohabiting in 2+ car households will have a car each, with their partner as a named driver, and head out in each others' cars without giving it a moment's thought beyond "which car is best suited to what I'm heading out for?"
Being such a standard way of doing things, if it was an issue we'd have had all the media attention like we had with:
- insurance fronting
- people assuming they have doc cover when they don't,
- people using their car to drive to a different place of work to their usual without business insurance cover.
- people thinking you can legitimately buy cheap insurance from some bloke down the pub/kebab shop.
Agreed. My partner and I do exactly that. We're both named on each others policies. We mainly drive our own cars, but think nothing of using the other when it suits.The majority of people cohabiting in 2+ car households will have a car each, with their partner as a named driver, and head out in each others' cars without giving it a moment's thought beyond "which car is best suited to what I'm heading out for?"
Being such a standard way of doing things, if it was an issue we'd have had all the media attention like we had with:
- insurance fronting
- people assuming they have doc cover when they don't,
- people using their car to drive to a different place of work to their usual without business insurance cover.
- people thinking you can legitimately buy cheap insurance from some bloke down the pub/kebab shop.
I think between husband and wife, or partners, insurers couldn't give two hoots. They are often around the same age. But it's a bit different with parent/child. You need to ensure that if the child is the named driver, they don't become the main driver, or if they do, the insurer knows about it.
I think that was the OP's concern, although in this case he doesn't have anything to worry about.
I think that was the OP's concern, although in this case he doesn't have anything to worry about.
J4CKO said:
catman said:
Have you actually checked that it's £100, or is that a guess? I think that's a bargain.
Did a few quotes and changed the parameters, got 10 years NCD, low risk postcode and it was £400 without him and £500 ish with, Tuning box declared.JohnnyUK said:
J4CKO said:
catman said:
Have you actually checked that it's £100, or is that a guess? I think that's a bargain.
Did a few quotes and changed the parameters, got 10 years NCD, low risk postcode and it was £400 without him and £500 ish with, Tuning box declared.Got it sorted, gone with Admiral, chap on the phone was super helpful and efficient. Said its not an issue if he takes it, as long as the main place its kept half of the time or more is my address.
Cost £550 for an M135i with a tuning box, one non fault accident 2 years ago and an almost 25 year old on.
Cost £550 for an M135i with a tuning box, one non fault accident 2 years ago and an almost 25 year old on.
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