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Insuring a car twice?
Slimy38 - 26/9/14 at 05:20 PM

I'm about to take possession of a company car, but I don't want to lose my NCD. Would it be possible/legal to get myself insured on my wife's car, in addition to her own policy? She'd still be registered owner and main keeper (and a full policy), I'd have a limited mileage policy or something just to keep the NCD alive.

loggyboy - 26/9/14 at 05:22 PM

No, but see if her company offers ncb for named drivers.

keith777 - 26/9/14 at 05:26 PM

Pretty certain it's illegal to have two insurance policy's on the same car,I think your ncd will run for two years then you lose it .
Also think nowadays you can get ncd on company cars .

Slimy38 - 26/9/14 at 05:29 PM

Pretty much what I thought, thanks. I guess when I finish with the company car I'll have to look at the insurers that consider driving history rather than NCB, either that or buy a nice sporty three cylinder Corsa!!

ian locostzx9rc2 - 26/9/14 at 06:04 PM

Insurers except a letter from company car owners of proof of their company car drivers record these days...

luke2152 - 26/9/14 at 06:05 PM

couldn't you wait a year then insure the wifes car in your name, then a year later she insures it again in her name etc

twybrow - 26/9/14 at 07:43 PM

quote:
Originally posted by luke2152
couldn't you wait a year then insure the wifes car in your name, then a year later she insures it again in her name etc


I have the same thing coming up and this is what intended to do. Just swap for a year every two years.

chrisxr2 - 26/9/14 at 08:12 PM

If your worried just about losing your no claims, you have two years before it expires, adding to it is a different matter.

Slimy38 - 26/9/14 at 08:35 PM

quote:
Originally posted by chrisxr2
If your worried just about losing your no claims, you have two years before it expires, adding to it is a different matter.


Both of our NCB's are maxxed out so there's no adding, I just want to keep it alive.

Does it matter that I'll be insuring a car that I won't own? I don't want to swap owners as well as policies.

JoelP - 26/9/14 at 08:46 PM

Just have a banger parked up to keep the insurance alive? You'd get it down to 200 a year with limited (no) mileage.

SteveWalker - 26/9/14 at 08:52 PM

If you go down the old banger route, I can possibly offer a very cheap option. My wife was ill a few years ago and unable to drive for a time. We parked her car in the back garden and called the insurance company to cancel the policy; instead they offered to suspend the insurance. I think that it cost about £7 a month, the policy stayed live and she even "earned" additional NCD!

tegwin - 27/9/14 at 08:35 AM

Some specialist insurers allow you to "park" your ncb even though it won't build. Worth asking

Slimy38 - 27/9/14 at 10:12 AM

quote:
Originally posted by JoelP
Just have a banger parked up to keep the insurance alive? You'd get it down to 200 a year with limited (no) mileage.


I've already got a banger, it's my normal car!! The problem is the 2 car drive and what will be 3 cars (actually, 4 when the kit is finished).