Car insurance after girlfriend crashes her car

[BlueArsedFly]

My GF (her first year of driving) wrote off her car which was insured under my name and her as a named driver (I also have separate insurance on another car).

So I want her to get her own insurance, this time with her as the policy holder and me as the named driver. On the new policy, we're declaring her crash, but do I need to declare that I have a claim? Worried we'll get hit twice on premiums for one crash.

[Deerfoot]

Yes.

When you enter the details of the named driver it'll ask if you've had any claims in the last 5 years.

It's going to be costly....

[shtu]

BlueArsedFly said:

My GF (her first year of driving) wrote off her car which was insured under my name and her as a named driver (I also have separate insurance on another car).

So I want her to get her own insurance, this time with her as the policy holder and me as the named driver. On the new policy, we're declaring her crash, but do I need to declare that I have a claim? Worried we'll get hit twice on premiums for one crash.

Yes, you will have to declare it.

It's another reason why this,

BlueArsedFly said:

her car which was insured under my name and her as a named driver

is a bad idea.

(Enjoy the sanctimonious roasting that is headed your way. )

[fozzymandeus]

Insurance will normally ask:

“Do you have any accidents or claims in the last x years?”

You have a claim, your GF has an accident, so you both have to answer “yes” to this question.

[Seasonal Hero]

If she was the main driver isn’t that fronting?

[BlueArsedFly]

BlueArsedFly said:

her car which was insured under my name and her as a named driver

is a bad idea.

(Enjoy the sanctimonious roasting that is headed your way. )

I now realise that https://www.pistonheads.com/gassing/imgs/12.gif

[anonymous-user]

Seasonal Hero said:

If she was the main driver isn’t that fronting?

[BlueArsedFly]

MDMA . said:

Seasonal Hero said:

If she was the main driver isn’t that fronting?

She was still a learner when the car was bought and she did her test in it. Hence I was the main driver. I'm assuming here what you mean by "fronting".

[Seasonal Hero]

BlueArsedFly said:

She was still a learner when the car was bought and she did her test in it. Hence I was the main driver. I'm assuming here what you mean by "fronting".

Yes but once she passed it I assume she was the main driver?

[BlueArsedFly]

It was about 50/50 after she passed

[sparkyhx]

Wifey had a claim on her car in June last year, adding her a named driver to my insurance in November nearly doubled my insurance………..So she is no longer insured on mine. Normally adding her reduces my premium even though she drives only a handful of times a year.

Bizarrely the increase in her insurance was less than adding her to mine.

[Super Sonic]

You will have to declare your claim when you put yourself as named driver on her insurance, and also when you renew your insurance on your other car.

[Sebring440]

BlueArsedFly said:

It was about 50/50 after she passed

But, but......

BlueArsedFly said:

My GF (her first year of driving) wrote off her car.

[BlueArsedFly]

Anyway...thanks for replies, I know what to declare now, and what not to do in future

[3GGy]

Seasonal Hero said:

BlueArsedFly said:

She was still a learner when the car was bought and she did her test in it. Hence I was the main driver. I'm assuming here what you mean by "fronting".

Yes but once she passed it I assume she was the main driver?

Give over, you.