who is the main driver?
Discussion
Colleague just asked me this whilst he was applying for some insurance on line
Wife is buying a new car, she will be the registered keeper, but will only be doing 20-30miles a week in it 5/6 trips a week.
He will probably use it once a week, but for journeys in excess of 100 miles, so his annual mileage in the car will be higher..
So, any idea whether number of trips, or higher miles would be the definition of main driver?
Wife is buying a new car, she will be the registered keeper, but will only be doing 20-30miles a week in it 5/6 trips a week.
He will probably use it once a week, but for journeys in excess of 100 miles, so his annual mileage in the car will be higher..
So, any idea whether number of trips, or higher miles would be the definition of main driver?
blearyeyedboy said:
Tell the insurers that, and let them decide.
This. Although in practice, this is a very marginal example of the question and you're unlikely to be called fronting if you get it wrong, an insurer will say the one with the higher annual mileage is the main driver, no?At those figures she'll probably cover more miles AND do more trips (unless his are greatly in excess of 100 miles), so her.
In regard to the question you obviously meant though, I was in exactly the same situation with the OH's car and the insurance company (Elephant) said it doesn't matter. I'd still ask your insurer just in case, though.
In regard to the question you obviously meant though, I was in exactly the same situation with the OH's car and the insurance company (Elephant) said it doesn't matter. I'd still ask your insurer just in case, though.
I have the exact same debate.
PLUS the car is mine, bought with my money before I met her.
So to insure it in her name, would tecnically mean signing it over to her
18months into a relationship? f
k that.
I use ADMIRAL and was honest with them, gave the lass the full story. So now:
> the v5 is in my name
> insured in my name
> I'm down as main driver in terms of mileage (Probably 200 a week average)
> OH is down as secondary user, with nigh on parity in mileage, due to using 5days a week.
If you're married, then her name etc.
But if you have no shared assets, it does sometimes get tricky as they're after you signing YOUR car over to someone you've been with a year.
PLUS the car is mine, bought with my money before I met her.
So to insure it in her name, would tecnically mean signing it over to her
18months into a relationship? f
k that.I use ADMIRAL and was honest with them, gave the lass the full story. So now:
> the v5 is in my name
> insured in my name
> I'm down as main driver in terms of mileage (Probably 200 a week average)
> OH is down as secondary user, with nigh on parity in mileage, due to using 5days a week.
If you're married, then her name etc.
But if you have no shared assets, it does sometimes get tricky as they're after you signing YOUR car over to someone you've been with a year.
mgmrw said:
Was told it would only be possible for her to be main driver if car was in her name.
Well if you want to get it right, I know that Elephant, Admiral and Tesco will all do it. I've never actually come across an insurer that wont. The policy probably can't be taken out in her name, but that's nothing to do with the main driver.
kambites said:
Well if you want to get it right, Elephant, Admiral and Tesco will all do it. I've never actually come across an insurer that wont.
The policy probably can't be taken out in her name, but that's nothing to do with the main driver.
I'm with Admiral, which is what I said in the first place, and they didn't see a problem.The policy probably can't be taken out in her name, but that's nothing to do with the main driver.
Prior to switching to them, others told me that her being main driver, meant she had to have the policy, and thus the car would need to be in her name.
I don't know if "no relation" makes it harder or the fact that she was 22 and me 23.
I'm not alone in being told this though. One of my best mates has 2 cars, one for commute and one for nice journeys. And when insuring his OH on the snotter as she gained a 6month job placement, the fact that she would be doing 400miles a week in it, the fact that he was registered keeper became an issue for several insurers.
mgmrw said:
So to insure it in her name, would tecnically mean signing it over to her
Absolutely not required. The keeper is on the V5 not the main user or even necessarily the owner.I also insure with Admiral on a multi-car policy. My wife has a car, registered to her and used by her for work but for less miles than I drive it (I always drive when we travel together). Following documented discussion with Admiral the insurance policy is in my name with my wife as a named driver.
KevinA3DSG32 said:
Absolutely not required. The keeper is on the V5 not the main user or even necessarily the owner.
Agree with this, I recently had a policy in my name, on a car of which I was the registered keeper that my wife was named as the main driver.Interestingly, when we renewed the policy in my wife's name the premium went up by about 20% (for what I could only see as being exactly the same risk - but the "computer said No!"
May be different with a girlfriend.
kambites said:
The age isn't a problem - my wife is five years younger than me. She is my wife though which might make a difference. It wasn't an issue until after we were married.
I guess we (me and OH) tick a lot of boxes they don't like.I'm 24, 3points. Change job title regularly.
She's 23, no NCB, license 4 years only. We weren't living together. etc.
kambites said:
Ah that is probably more likely to be it.
Again, ADMIRAL were good about it, sort of understood that phase when you don't officially live together, yet spend every night together at one of the parents houses whilst busily saving for a house deposit.
Others saw this as a monumental problem. CIS charged me £300+ to put her on the policy for the last 3months of it. IIRC Admiral saved me more than that by her being on it
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