Best way to insure my partner?

[Andymac183]

Currently with AF (because modified) but they won't let me add my girlfriend to the policy...

 

Anyone else been in this situation, and how did you resolve it?

 

I can't be the ONLY one with a girlfriend and a modified car?

[Jay84]

Tell them you're married see if it makes a difference. The problem is they won't believe a married person has a modified car lol

[Keyser]

 

I thought you wanted life insurance before she "had an accident"

 

Must just be watching to many crime series on TV

 

I'm with AF but married so no problem, not sure why they won't let you add a named driver, only thing to do is call around.

 

Did they say why she could not be added? age time with full licence or something like that?

[Andymac183]

They stated it was because she hadn't got enough experience in modified cars. The Z is my first modified car too. She's had a Golf GTi but nothing else of that ilk.

[Jay84]

How do you get exp of modified cars these days? Don't get me wrong I've had them for the past lots of years, but it seems these days people keep getting refused from lack of exp.

[Keyser]

They stated it was because she hadn't got enough experience in modified cars. The Z is my first modified car too. She's had a Golf GTi but nothing else of that ilk.

 

Thats the second person in 3 days to report the "lack of experience" thing - of course you can't get it without insurance catch 22 so rediculous.

 

 

EDIT Jay got there first

Edited May 23, 2017 by Keyser

[Strudul]

How do you get exp of modified cars these days? Don't get me wrong I've had them for the past lots of years, but it seems these days people keep getting refused from lack of exp.

Easy, use an insurer who doesn't care (e.g. any of the big ones like Admiral).

 

AF and other specialists are the only ones who check background experience etc.

[coldel]

I deliberately make sure my wife is not on my policy...I don't care if it reduces the premium, any reason to prevent her climbing behind the wheel of my P&J

[Aashenfox]

I got no fear of that, while I'm sure my wife could drive the Zed just fine, she's a decent driver, she never would, she's scared shitless of it. Hey ho, works for me.

[Strudul]

Scariness ranking:

- Fast cars with no assists

- Slow cars

- Fast cars with assists

[Wayne370Z]

The wife`s been insured on mine since I got it just over 4 years ago. Not driven it once yet. Says she`d be terrified of scratching it. Works for me too.

[Ekona]

I didn't have Jo insured on any of my cars for years, purely because she was too young. She was on there for the final year of the 911 and has been on ever since, but purely as an emergency measure in case I break my leg and can't drive my car home, or hers breaks and she needs to get somewhere.

 

But basically you either have to change insurer or live with it. Alternatively she could insure herself on the car on a completely different policy, but then that's not going to be a cheap option.

[Strudul]

Pretty sure you aren't allowed 2 permanent policies on 1 car.

[jumping350]

When this happened to me they were saying my mrs should get a years experience in smaller RWD car like mr2 or something before moving up.

Essentially in there eyes they view it as its like going from a Micra to Ferrari so computer says no!

Gone are the days with your average company where you can just insure whatever because you have the money I think

Edited May 24, 2017 by jumping350

[Ekona]

Pretty sure you aren't allowed 2 permanent policies on 1 car.

Of course you are. You're just not allowed to claim from both of them for the same incident.

 

As long as you declare the facts to an insurer, no problems at all.

[Strudul]

Of course you are. You're just not allowed to claim from both of them for the same incident.

 

As long as you declare the facts to an insurer, no problems at all.

Mmmm, yeah, you're right.

 

I remember looking into it before and deciding it was a bad idea though:

1) Both policy holders would lose their NCB if there was a claim

2) There may be complications when you come to claim, with each insurer requesting the other contribute

[Ekona]

Do you mean by having two separate policies? That wouldn't be the case, as only the person claiming on their policy would lose out. Think of it like this:

 

 

Dave buys a car. Julie wants to insure herself on that car, which Dave is okay with. Dave is the owner and the registered keeper.

 

Julie drives the car into a small ditch. Clumsy Julie! Julie claims on her policy, and loses her NCB, but the car is repaired by her insurer. Dave does not have to tell his insurer as he had no accident, nor did he claim.

 

A year later Dave drives the car into a wall. Silly Dave! The car is a write-off, and Dave's policy pays Dave the market value. Dave now loses his NCB, but Julie keeps the one year she's gained.

 

Julie cannot legally continue to insure something that doesn't exist, so she contacts her insurance and cancels the policy. Dave and Julie decide that car driving isn't for them, emigrate to the Maldives and live out their days cuddling baby turtles.

[Strudul]

As much as that would make sense, insurers don't.

 

Insurers can see whether the car has another policy on it and if a claim is made, they can try pass it off to the other.

 

I asked a few insurers and they all gave a similar answer. The details are hazy, and if person X crashes and claims, then I'm not sure they can get person Y's policy to contribute as well / instead, but if say the vehicle is stolen, there would be a dispute.

 

However, all drivers would lose their NCB regardless, that much was consistent for all of them.

[Ekona]

Hate to say it, but they're wrong. NCB is a No Claim Bonus. You get that if you don't claim. If I don't claim, then it cannot be lost.

 

Let me give you another example, this one in real life. I was insured on a car owned by someone else a few years back, and I binned it. It was repaired and everyone was happy. He lost part of his NCB as it was his policy and he claimed, however because I didn't claim my NCB was completely unaffected. My insurer knows about the accident as I have to declare it, but as I've not claimed on any policy then my NCB is still 100%.

 

I agree that an insurer can see that a car is insured with someone else, no arguments there. However Dave and Julie are not linked by their policies, so when Dave claims on his policy, that has nothing to do with Julie's policy. Julie's policy covers HER, not the car, and Dave's policy covers HIM, not the car. I don't see any way that an insurer could claim part-payment from another insurer when it had nothing to do with their client, at all. If the vehicle is stolen then yes, that's the only awkward time however as long as only one person claims on their policy, then there should be no issue. And if there was, the ombudsman would settle it very quickly.

[Keyser]

I did get asked once if I had any other policies on the car I was insuring, the answer was NO so nothing futher but that means it can be done or they wouldn't have asked.

 

I also insured a car not belonging to me when I looked after it for an army buddy who was deployed for 6 months, not a problem and he kept his insurance running as far as I know.

[DAN@ADRIAN FLUX]

They stated it was because she hadn't got enough experience in modified cars. The Z is my first modified car too. She's had a Golf GTi but nothing else of that ilk.

 

Whilst a number of our schemes would require previous experience for performance RWD vehicles I'm surprised we could't offer any kind of premium with an alternative insurer.

 

I'd appreciate it if you PM me you details so I can double check it for you.

 

Regards,

Dan.

Edited May 24, 2017 by DAN@ADRIAN FLUX

[rabbitstew]

I remember an instance where a bloke sold his motorbike to someone else. That person didnt bother insuring it and then stacked it big time into someones car. The bloke who sold the bike hadnt had chance to cancel his insurance yet. The insurance company of the car owner successfully claimed off the sellers insurance company for all the repairs & damages etc. Even though it was nothing to do with the seller.

 

With regards to adding girlfriends / wifes, up until recently I always found it actually reduced my premium. However, once I got married, adding my wife to my policy actually increased it. But then again, I found once I told insurance companies I was now married rather than living with my other half, that actually increased my premium anyway. Maybe they figure married men are going to be mega stressed and likely to drive more aggressively?

 

Ive got the wife added to my 911 policy, but I have never let her drive it, its more of a "just in case" thing.

[Jay84]

Its true, I am mega stressed. Kids bumped it up again lol

[Exec]

I put her on because she lowers my premium! As others have said large insurers don't really care. Iv only got a modified exhaust and that doesn't make much difference either.