Named driver Multicar question
Discussion
A couple of years back, we moved to a naval-based insurer because a multicar deal with them gave us a pretty significant discount.
So I sent them my no claims bonus (15 years) and Mrs413s (12 years) and they set us up a policy.
What I didn’t realise until this year when Mrs413 decided she wants a Mustang is that actually, she’s effectively lost all that no claims bonus.
Our policy is actually set up as me being the policyholder and she is a ‘named driver’ on my policy.
I’m set up as main driver on my car, she’s main driver on her car.
My question is that when you start to google “what does this mean in real terms” you end up with lots of stuff about fronting and invalid policies.
My understanding is that having correctly described Mrs413 as main driver on her car, despite her being a named driver on my policy we are not caught by this. The only issue in this situation is that she’s got no no claims any more, and so I’m now stuck with insuring her on my policy for the foreseeable future. Am I missing something?
So I sent them my no claims bonus (15 years) and Mrs413s (12 years) and they set us up a policy.
What I didn’t realise until this year when Mrs413 decided she wants a Mustang is that actually, she’s effectively lost all that no claims bonus.
Our policy is actually set up as me being the policyholder and she is a ‘named driver’ on my policy.
I’m set up as main driver on my car, she’s main driver on her car.
My question is that when you start to google “what does this mean in real terms” you end up with lots of stuff about fronting and invalid policies.
My understanding is that having correctly described Mrs413 as main driver on her car, despite her being a named driver on my policy we are not caught by this. The only issue in this situation is that she’s got no no claims any more, and so I’m now stuck with insuring her on my policy for the foreseeable future. Am I missing something?
So just to check, you have your car (car A) and she has her car (car B) but you have been set up as the policyholder for both car A and B, with her as a named driver on each as well?
If that's the case then yes, only you have NCB however I do know that said insurer offers named driver NCB if the named driver insures a car with them. This is in the form of an introductory discount and doesn't show on the documents.
Odd that it has been set up this way mind..
I can't really advise further other than saying to give them a call, explain what has happened and see if they'll swap car B into her name with you as a named driver with that introductory discount. They may honour her NCB when you joined if you're lucky!
I've found them to be pretty good, I've been with them for 6 years and have a 7 vehicle multicover policy (5 cars, 1 van, 1 motorhome). They did balls up big time in April this year when swapping from a car to a van but a complaint sorted it out with £75 compensation added also.
ETA that NCB lasts for two years (usually) when not used so worth seeing if it can still be used subject to dates.
If that's the case then yes, only you have NCB however I do know that said insurer offers named driver NCB if the named driver insures a car with them. This is in the form of an introductory discount and doesn't show on the documents.
Odd that it has been set up this way mind..
I can't really advise further other than saying to give them a call, explain what has happened and see if they'll swap car B into her name with you as a named driver with that introductory discount. They may honour her NCB when you joined if you're lucky!
I've found them to be pretty good, I've been with them for 6 years and have a 7 vehicle multicover policy (5 cars, 1 van, 1 motorhome). They did balls up big time in April this year when swapping from a car to a van but a complaint sorted it out with £75 compensation added also.
ETA that NCB lasts for two years (usually) when not used so worth seeing if it can still be used subject to dates.
With these policies you do effectively have a policy holder per vehicle insured, just one of them is nominated to be the main person who pays etc.
So it sounds like you have been placed as the policy holder of both vehicles rather than her the policy holder of her car and you yours?
Your best next step is to call and explain what has happened and move from there. As another poster said they may be able to change it over and even honour the NCB either at 12 years or 12 plus the time on cover since.
Edited to add following your second post, she is listed correctly as the main driver so you shouldn’t have any issue on the fronting side.
So it sounds like you have been placed as the policy holder of both vehicles rather than her the policy holder of her car and you yours?
Your best next step is to call and explain what has happened and move from there. As another poster said they may be able to change it over and even honour the NCB either at 12 years or 12 plus the time on cover since.
Edited to add following your second post, she is listed correctly as the main driver so you shouldn’t have any issue on the fronting side.
Shirt413 said:
Yes, that’s correct. Thank you - I’m relaxed-ish about the NCB, I just really didn’t want her to have a crash and then get accused of fronting and suddenly we have no insurance.
Fronting is insuring a high risk driver as an occasional named driver on the policy of a low risk driver, when in fact they are the main driver. You are not fronting because A: Unless your wife is a teenager and you're are mature driver, it's unlikely she's a high risk driver.
B: Even if she is, you've told them she's the main driver anyway.
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