BudSlater Posted May 25, 2015 Posted May 25, 2015 Im confused... We have three cars now (one being the westie). Normally, I'm not even 1% interested in her car (it's was a corsa) but now, we've just swapped it for a 530d, I'm thinking that I quite fancy that. So ive got a Golf which is registered in my name but I'm the main driver and the principle insurer, with the other half as a named driver. So it makes sense to have the 530 as the other halves car, in her name with both on the insurance. But where does the insurance get involved if I decide I want to be the main driver this week / month and the other half use the golf? Because if they are arsey, we'd have the change the regiestered keeper frequently.... Quote
Quinten Posted May 25, 2015 Posted May 25, 2015 Main driver is the person who drives it the most over a period of a year. You can drive it for a week and still not be the main driver. Edited to add, we have 3 cars in the family, all insured by me. Mrs Q is the main driver on her car (with me as a named driver), and I am the main driver on my car (with Mrs Q as a named driver). That leaves the Westie, which I am the only driver... Quote
GuitarmanUK Posted May 25, 2015 Posted May 25, 2015 In reality, if you are both a similar age and experience, the insurer won't be too bothered. Where they do get funny is where the named driver is a young driver on an older drivers policy such as parent and child. If the child is the main user, this is called fronting and it can end up with policies being voided if not declared and correctly rated. 2 Quote
SootySport Posted May 25, 2015 Posted May 25, 2015 The insurance company would want to know who is the main driver of any car, over a year, not weekly or monthly. You can only give your own guesstimate. If you keep changing the main driver then that messes up the NCB. Quote
GuitarmanUK Posted May 25, 2015 Posted May 25, 2015 The insurance company would want to know who is the main driver of any car, over a year, not weekly or monthly. You can only give your own guesstimate. If you keep changing the main driver then that messes up the NCB. Regardless of who is the main user, the NCB is earned by the policy holder. Some insurers will accept named driver bonus but it is not guaranteed and also may not be year for year. Quote
dhutch Posted May 26, 2015 Posted May 26, 2015 Should be fine IMO. Its not like your insuring it in your mums name and going to be the only one driving it. Daniel Quote
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