Insuring my son to drive with a different insurance co to mine

Rhp1 | 20:09 Sun 20th Feb 2011 | Insurance

14 Answers

Can i insure my son as a named driver on my car in order to practice , with a different insurance company to mine , as this might let me get a better deal . This would mean having 2 policies running on the same car , something i dont think insurance companies would like, but all i can do is hope . thanks in advance.

Travel Insurance costs

Adding named driver

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1 to 14 of 14

bpoolmecca

Best Answer

use marmalade we insure our 17 on our car with two policies costs about £85 and is renewable monthly

17:50 Fri 25th Feb 2011

Go To Best Answer

bednobs

A new company would mean either the insurance was in his name (ie not a named driver on your policy) or would just be an unneeded duplication of your policy

Rhp1

Question Author

Thanks bednobs , i understand what you mean . Do you think i could get a separate policy just for him as the policy holder , and would insurance companies object , is it legal to do so or not ?

factor-fiction

Is this because your present insurance company won't accept the inclusion of a young driver on your policy?
If so then rather than have two policies why not just cancel yours and take out a new one with acompany that will allow you both on a policy.

Rhp1

Question Author

I am with churchill and have done a quote online , the premium is higher than i thought so thought i would try and shop around , but it looks like i will forking out for him till he passes his test , then he's on his own.

boxtops

I don't think you can have two policies on the same vehicle.

bednobs

ha, it'll be even more expensive when he passes!

joko

it wont be cheaper to havee his own policy...essentially they would be ensuring a lone learner ... i tried to do that an it woul dhave cost me over £1000

he is best being a named driver on your policy

though you could try it an be a named driver on his policy...but you cant be the policy holder too

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bennhoughton

Vehicle insurance data is stored on the Motor Insurance Database - the second insurer would probably give your son a policy on the basis of him being the policyholder, but they have to put this policy on the database within seven days, and so would find out that the car is dual insured - they would then cancel the policy ab initio (from the beginning).

The idea of having you both on separate insurances is not a wise one, it doesnt make sense, if he wants his own policy to start his own no claims discount then just be a named driver on the policy (insurers may ask questions into the ownership of the vehicle (insurable interest) - although a son being the policyholder and main driver on his fathers car is generally now widely accepted).

Or, just cancel your policy and find a cheaper one for you both using your no claims and him as a named driver. (find the cheapest quote before cancelling though obviously lol)