Named driver insurance question
Discussion
We have friends coming over from the USA for about 3 weeks at Christmas.
They are in their 40s
They want to do a bit of touring around.
I would like to offer them my car instead of them hiring one.
My own company MOJA have refused their cover, no reason is given.
I have tried gocompare and compare the market by getting a completely new quote but there isn't an option for adding a driver who doesn't have a UK postcode.
I'm getting a bit stuck, any advice from any insurance gurus please.
They are in their 40s
They want to do a bit of touring around.
I would like to offer them my car instead of them hiring one.
My own company MOJA have refused their cover, no reason is given.
I have tried gocompare and compare the market by getting a completely new quote but there isn't an option for adding a driver who doesn't have a UK postcode.
I'm getting a bit stuck, any advice from any insurance gurus please.
If you add them to your insurance as a named driver and they have a bump, then I believe that it is something you would have to declare in the future as it is your policy. Something to consider.
Not saying they are bad drivers, but being on the other side of the road coupled with the unfamiliarity of the roads, would increase the chances greatly
Not saying they are bad drivers, but being on the other side of the road coupled with the unfamiliarity of the roads, would increase the chances greatly
Thanks for the replies, to clarify.
They were both born in the UK and passed UK tests, always drove manual here. They now live in US. They have US licences as well as still current UK.
Car hire for the size they need is ~£2.5k They do normally hire but the cost has increased massively.
The simplest way it seems, apart from hiring, is to cancel my current insurance and take out a new policy with them as named drivers. The cost of this is about £300 - £400 including any cancellation fees. They're happy to pay this as well as any increased premiums in case of a "bump" (this remains to be seen of course, in the actual event)
I had to speak with an actual human to get clarification, the chap from A Plan was very helpful.
Temporary insurance on a car they don't own is almost impossible, you can't have 2 policies on one car is my understanding.
Thanks for all the input
They were both born in the UK and passed UK tests, always drove manual here. They now live in US. They have US licences as well as still current UK.
Car hire for the size they need is ~£2.5k They do normally hire but the cost has increased massively.
The simplest way it seems, apart from hiring, is to cancel my current insurance and take out a new policy with them as named drivers. The cost of this is about £300 - £400 including any cancellation fees. They're happy to pay this as well as any increased premiums in case of a "bump" (this remains to be seen of course, in the actual event)
I had to speak with an actual human to get clarification, the chap from A Plan was very helpful.
Temporary insurance on a car they don't own is almost impossible, you can't have 2 policies on one car is my understanding.
Thanks for all the input
ChrisnChris said:
Thanks for the replies, to clarify.
They were both born in the UK and passed UK tests, always drove manual here. They now live in US. They have US licences as well as still current UK.
Car hire for the size they need is ~£2.5k They do normally hire but the cost has increased massively.
The simplest way it seems, apart from hiring, is to cancel my current insurance and take out a new policy with them as named drivers. The cost of this is about £300 - £400 including any cancellation fees. They're happy to pay this as well as any increased premiums in case of a "bump" (this remains to be seen of course, in the actual event)
I had to speak with an actual human to get clarification, the chap from A Plan was very helpful.
Temporary insurance on a car they don't own is almost impossible, you can't have 2 policies on one car is my understanding.
Thanks for all the input
You should be able to add a named driver mid policy.They were both born in the UK and passed UK tests, always drove manual here. They now live in US. They have US licences as well as still current UK.
Car hire for the size they need is ~£2.5k They do normally hire but the cost has increased massively.
The simplest way it seems, apart from hiring, is to cancel my current insurance and take out a new policy with them as named drivers. The cost of this is about £300 - £400 including any cancellation fees. They're happy to pay this as well as any increased premiums in case of a "bump" (this remains to be seen of course, in the actual event)
I had to speak with an actual human to get clarification, the chap from A Plan was very helpful.
Temporary insurance on a car they don't own is almost impossible, you can't have 2 policies on one car is my understanding.
Thanks for all the input
As for 2 policy's, it's not uncommon (esp since they started dropping "other cars" cover) or illegal, people have to insure to drive by law, often two policy's when someone is planning to by a car, temp & short term cover policy's are designed to allow you to drive a car when borrowing it but no law prevents a full policy to anyone borrowing a car (you have to be honest about not being RK in fact), any number of other circumstances will leave 2 policy's at one time.
My friends in laws for example borrow their car visiting around Xmas, they insure it themselves and last year claimed without any fuss when hit a wall due to icy conditions and never affected my friends policy/no claims. They got stuck paying the policy instead of canceling because claimed in fact.
Perhaps insurers just don't like it.
ChrisnChris said:
Thanks for the replies, to clarify.
They were both born in the UK and passed UK tests, always drove manual here. They now live in US. They have US licences as well as still current UK.
Car hire for the size they need is ~£2.5k They do normally hire but the cost has increased massively.
The simplest way it seems, apart from hiring, is to cancel my current insurance and take out a new policy with them as named drivers. The cost of this is about £300 - £400 including any cancellation fees. They're happy to pay this as well as any increased premiums in case of a "bump" (this remains to be seen of course, in the actual event)
I had to speak with an actual human to get clarification, the chap from A Plan was very helpful.
Temporary insurance on a car they don't own is almost impossible, you can't have 2 policies on one car is my understanding.
Thanks for all the input
Just tell them - "We tried, but the insurance company said no."They were both born in the UK and passed UK tests, always drove manual here. They now live in US. They have US licences as well as still current UK.
Car hire for the size they need is ~£2.5k They do normally hire but the cost has increased massively.
The simplest way it seems, apart from hiring, is to cancel my current insurance and take out a new policy with them as named drivers. The cost of this is about £300 - £400 including any cancellation fees. They're happy to pay this as well as any increased premiums in case of a "bump" (this remains to be seen of course, in the actual event)
I had to speak with an actual human to get clarification, the chap from A Plan was very helpful.
Temporary insurance on a car they don't own is almost impossible, you can't have 2 policies on one car is my understanding.
Thanks for all the input
Don't get involved.
OK, I've heard back from Sterling, they will do a separate policy from mine for the duration of the visit.
Isn't it amazing that you can get completely different advice from so called "experts"
So that's settled I think.
The policy will cost ~£260 for the 3 weeks with an excess of £950 which can be waived for ~£50
They will both be insured to drive.
So for ~£100 a week and no impact on my policy if anything happens, I think that's a result.
As for the car in question, it's a 15 year old Volvo estate, used and abused, so it's already an old snotter
Isn't it amazing that you can get completely different advice from so called "experts"
So that's settled I think.
The policy will cost ~£260 for the 3 weeks with an excess of £950 which can be waived for ~£50
They will both be insured to drive.
So for ~£100 a week and no impact on my policy if anything happens, I think that's a result.
As for the car in question, it's a 15 year old Volvo estate, used and abused, so it's already an old snotter
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