Move wife’s car out of multicar policy?
Discussion
I drive 1&2 and I’m the only named driver on those.
Wife drives 3, I do very occasionally. We’re both named drivers but if needed, I could remove myself as named driver.
All 3 cars are owned in my name.
So, on to insurance… I worry sometimes that wife’s driving will get her points (she’s had the speed awareness course already) and/or she’ll end up claiming on the policy.
GT3 is quite expensive (150k+) while wife’s city car is a £12k i3.
We’ve already had 2 claims and those increased the premium a bit. A specialist insurer whom I wanted to use for the GT3 refused cover because of a recent claim. A third claim and/or points could increase Admiral premiums further and narrow the choice of insurers even further.
If I remove her car from the multi-car policy, insure with someone other than Admiral & remove myself as named driver - and she then claims or gets points; do I assume correctly that it will have no impact on my premiums, and I won’t have to disclose those at all?
I don’t know why I would, I thought maybe some link through the same address, or the fact she’s been previously on my policy.
To clarify - if I put her car on a separate policy, and then add myself as named driver, this changes things again, and any time she has points or claims, it impacts my own policy - an I getting that right?
To clarify - if I put her car on a separate policy, and then add myself as named driver, this changes things again, and any time she has points or claims, it impacts my own policy - an I getting that right?
ldn_mx5 said:
I don’t know why I would, I thought maybe some link through the same address, or the fact she’s been previously on my policy.
To clarify - if I put her car on a separate policy, and then add myself as named driver, this changes things again, and any time she has points or claims, it impacts my own policy - an I getting that right?
No if you stay on her policy as a named driver, again what she does has no bearing on youTo clarify - if I put her car on a separate policy, and then add myself as named driver, this changes things again, and any time she has points or claims, it impacts my own policy - an I getting that right?
martinbiz said:
ldn_mx5 said:
I don’t know why I would, I thought maybe some link through the same address, or the fact she’s been previously on my policy.
To clarify - if I put her car on a separate policy, and then add myself as named driver, this changes things again, and any time she has points or claims, it impacts my own policy - an I getting that right?
No if you stay on her policy as a named driver, again what she does has no bearing on youTo clarify - if I put her car on a separate policy, and then add myself as named driver, this changes things again, and any time she has points or claims, it impacts my own policy - an I getting that right?
Just leave it as it is. It makes no difference if she’s not named on your cars. The multicar discount is for insuring multiple cars through Admiral, it doesn’t have an effect on each car if one has an accident unless the person who had the accident is named on each car.
Admiral told me a few weeks ago they could insure my Mum’s car on the multicar policy if I want additional discount, and she lives 15 miles away.
Admiral told me a few weeks ago they could insure my Mum’s car on the multicar policy if I want additional discount, and she lives 15 miles away.
ThunderSpook said:
Just leave it as it is. It makes no difference if she’s not named on your cars. The multicar discount is for insuring multiple cars through Admiral, it doesn’t have an effect on each car if one has an accident unless the person who had the accident is named on each car.
Admiral told me a few weeks ago they could insure my Mum’s car on the multicar policy if I want additional discount, and she lives 15 miles away.
Are you **sure** it works like that? If my wife claims on her i3, will that have zero impact on the premium of GT3 or Macan (the other two cars), even if all three are on the same multi-car policy? Admiral told me a few weeks ago they could insure my Mum’s car on the multicar policy if I want additional discount, and she lives 15 miles away.
ldn_mx5 said:
Are you **sure** it works like that? If my wife claims on her i3, will that have zero impact on the premium of GT3 or Macan (the other two cars), even if all three are on the same multi-car policy?
We used Admiral Multi Car for a number of years. As I understand it the only difference about your wife's cover under the MC policy is that you are (presumably) the authorised administrator for her policy, it is still her policy on that vehicle (and using her NCB etc). I therefore wouldn't expect any significant difference to your insurance 'risk' by moving her off the multi and onto a conventional single policy. As already noted, continuing her as named driver on your vehicles (or not) is going to be more significant?Andy86GT said:
I've often wondered about Admiral multi car policies.
How do you get on each year, do they jack up premiums as it would be then difficult to shop around?
I change both wifey's and mine every year to keep price sensible.
The premium definitely goes up every year, but for high value stuff they remain extremely competitiveHow do you get on each year, do they jack up premiums as it would be then difficult to shop around?
I change both wifey's and mine every year to keep price sensible.
ldn_mx5 said:
Andy86GT said:
I've often wondered about Admiral multi car policies.
How do you get on each year, do they jack up premiums as it would be then difficult to shop around?
I change both wifey's and mine every year to keep price sensible.
The premium definitely goes up every year, but for high value stuff they remain extremely competitiveHow do you get on each year, do they jack up premiums as it would be then difficult to shop around?
I change both wifey's and mine every year to keep price sensible.
Jag_luvver said:
I was on an Admiral multi car policy when I had a claim: they wrote off my car, and as soon as they did that they charged an increased premium for the remaining vehicles as they were no longer entitled to receive the multi-car discount without the written off car on the policy.
That’s how the multicar policy works though. The more cars you insure, the higher the discount. Did you not replace the car that was written off?Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff