Adding named driver

[milly143]

I'm thinking off adding my Dad to my insurance policy to see if it brings down the premium. He hasn't had an insurance policy on a car for a number of years but he does have motorbike insurance. Would that mean it is unlikely putting his name on my policy would have any positive effect on my premium? Do they look at car/motorbike insurance differently?

[mccfluff]

i can't see how it will have an bring your premiums down you'll still be the principle policy holder and driver.

[milly143]

Because sometimes adding drivers (I assume with unblemished driving history) will bring your premium down. We added a couple of drivers to the work policy last year and got refunds.

[factor-fiction]

It can bring down premiums but it doesn't really make sense if it means a driver can pick someone who will never actually drive the car

[milly143]

He can drive the car if he wants. And as his bike is currently Sorn'd (he has kept the insurance running on it though) then he will probably want to use my car more.

[factor-fiction]

I was just making a general point, milly- could a driver add anyone as a named driver even if the named person were unlikely ever to drive it? How would an insurance company know?

[milly143]

Ah, yes I see what you mean. When I added my boyfriend to the policy he wouldn't have had a clue he was on there unless I told him. Seems strange you could probably just add whoever you want.

[milly143]

Ah thanks Pinki, that answers the question! Will give them a call tonight. Might add a few others while I'm at it!

[benny3008]

I've been getting quotes for insurance for a few months now and have found that if you add someone who has had their licence alot longer, it definitely brings the premiums down. with regards to the relation of bike and car insurance policies, i think the insurance companies just like to relate the 2 in a way that will benefit them. i.e. if you declare that you have 1 years no claims on a bike when trying to get a car policy, it means nothing, whereas if you declare that you had an accident within the last 5 years on a bike, they will happily penalise you for it by bringing your car policy premiums up regardless of fault. I know this probably isn't the sort of information you were looking for but your question just reminded me of it and I had to rant! :-)

[milly143]

No, that's a good point actually Benny. He knows he has no points on his licence but he did have an accident on the bike a few years ago (nobody else involved) and he can't remember if he claimed on his insurance or not. Will need to get him to find out for sure before I speak to my insurance company, I suppose that could make a difference.

[ChocolatChip]

Just make sure it's not the other way round...

http://www.moneysuper...king-the-law/0008862/

[benny3008]

For your sake, I hope it doesn't affect it too much. :-)

[society]

Benny, when I read this thread I was hoping you saw it. :-)

[milly143]

I know about that Chocolate Chip and it's not illegal what I intend on doing. I have my own insurance on my own car and I am the main driver (except at weekends when I'm lazy and make the bf drive).

[benny3008]

haha thanks society. i managed to get my insurance down in the end by adding a named driver, took alot of combinations on quotes though to find the cheapest, i've got it down to £1,600 which is lot better than the £4,000 i was getting. :-)

[society]

That's a huge saving Benny, glad you got something worked out.

[milly143]

Wow, that's quite a saving! I only passed my test about 6 years ago when I was 21 but even then my premiums weren't that high. I feel sorry for new/young drivers now.

[benny3008]

i think its because the use of the car is shared between more drivers so if another more experienced driver is going to be using it too, it halves the chance of an accident (providing the car is used equally) if you get my drift?

[milly143]

I've never really totally understood it Doc. I won't question it though if it saves me a few quid.