Who's the main driver?

[LimaDelta]

It's renewal time again, we do around 8k per year. I probably cover 75% of the mileage, but work away so only drive the car six months of the year. My O/H drives the car throughout the year, but does less mileage and no long trips.

So, in the opinion of the PH hivemind, who for insurance purposes is the main driver?

[Krikkit]

Depends on the insurance company's definition. I'd say it's the wife.

[Grenoble]

Depends on your insurance company. You don't decide. They do. Tell them all of the material facts and let them advise based on their policy criteria...

Our view doesn't matter... for once...

[CampDavid]

It's done on miles usually, so you.

Is there much in it either way?

[Grenoble]

CampDavid said:

It's done on miles usually, so you.

Is there much in it either way?

In my experience for a husband and wife, with similar risk profiles, they aren't that bothered. Providing all material points are disclosed, they'll issue the right policy. Last one I spoke said that +/- a few thousand miles, it made no difference to policy cost but to notify them if our usage significantly changed.

[LimaDelta]

CampDavid said:

It's done on miles usually, so you.

Is there much in it either way?

Not much. Even though my bike NC don't count.

[CampDavid]

Grenoble said:

CampDavid said:

It's done on miles usually, so you.

Is there much in it either way?

In my experience for a husband and wife, with similar risk profiles, they aren't that bothered. Providing all material points are disclosed, they'll issue the right policy. Last one I spoke said that +/- a few thousand miles, it made no difference to policy cost but to notify them if our usage significantly changed.

Pretty much the same.

my GF was in a shunt on the way to work in my car a few years ago; they didn't query anything

[thinfourth2]

Doesn't matter

No matter who you say is the main driver the insurance company will argue its the other in the event of a claim so they can wriggle out of the claim

[cra1gy1989]

thinfourth2 said:

Doesn't matter

No matter who you say is the main driver the insurance company will argue its the other in the event of a claim so they can wriggle out of the claim

Tossers..

[Engineer1]

I'd say doesn't matter, most insurers in my experience assume that the car is shared and you can switch between drivers at will, the choice of cars is down to which is parked nearest the drive or pointing in the right direction.

[LimaDelta]

Ha ha, poll at 50:50. Nice.

[kambites]

Ask the insurance company.

[Raize]

The main driver is the one who DIDN'T crash.

[falkster]

All our cars are in my name and Im the main driver on all policies.

[mike9009]

I had a similar dilemma earlier this year.

We went from an admiral multicar policy to separate policies again. I deal with all the insurance and the new insurer put me as the main driver on my wifes car. I phoned to correct and they said it makes no difference with husband and wife, so didn't need to change.

Not sure if that applies to all companies though? ... and not sure what happens if there is a claim....

Mike

[Raize]

mike9009 said:

I had a similar dilemma earlier this year.

We went from an admiral multicar policy to separate policies again. I deal with all the insurance and the new insurer put me as the main driver on my wifes car. I phoned to correct and they said it makes no difference with husband and wife, so didn't need to change.

Intredasting.

• marks "Marry a 50-year-old" next to "get a sex change" on list of things to do to get insurance lower*