Car insurance question (YAWN, sorry!)

[MJsGhost]

Sorry for the dull subject matter, but I need some help from NSC's resident insurance specialists...

Myself and Mrs MJsGhost will shortly become a two car family, which if it wasn't exciting enough, now means changing some details on insurance policies...

I'm currently the policy holder for our existing car, with the missus a named additional driver. Going forwards, she will be the main driver of that car, while I will be the main driver of the new car (makes sense to use my NCD on the new policy as the car is more valuable and a higher insurance group).

Can I just swap us round as policy holder/named driver on that policy, or are we going to have to cancel and start afresh with two new policies? I believe my NCD can't be applied to two different policies, or else I'd just leave the existing policy as it is and insure the new car too...

My current insurer (QuoteMeHappy) is online only, with call centres for processing claims only - getting the info out of them is a slow process, hence the question here on NSC...

Many thanks in advance!

 

[mwrpoole]

Sorry for the dull subject matter, but I need some help from NSC's resident insurance specialists...

Myself and Mrs MJsGhost will shortly become a two car family, which if it wasn't exciting enough, now means changing some details on insurance policies...

I'm currently the policy holder for our existing car, with the missus a named additional driver. Going forwards, she will be the main driver of that car, while I will be the main driver of the new car (makes sense to use my NCD on the new policy as the car is more valuable and a higher insurance group).

Can I just swap us round as policy holder/named driver on that policy, or are we going to have to cancel and start afresh with two new policies? I believe my NCD can't be applied to two different policies, or else I'd just leave the existing policy as it is and insure the new car too...

My current insurer (QuoteMeHappy) is online only, with call centres for processing claims only - getting the info out of them is a slow process, hence the question here on NSC...

Many thanks in advance!

On your existing policy just advise them of change of car. MrsG will then be free to insure the 'old' car in her own name.

 

[Tim Over Whelmed]

Think esure will match the better of two no claims if partners?

 

[MJsGhost]

Thanks guys.

I'll check out eSure...

 

[drew]

When we had two cars Admiral multi car was good. Insure the new car in your name with Admiral and then when the other policy is due for renewal just add it to the multi car policy. Best to do it that way as likely the existing policy will charge you for cancelling the policy mid term. And with Admiral you can speak to someone.

 

[Tarpon]

Sorry for the dull subject matter, but I need some help from NSC's resident insurance specialists...

Myself and Mrs MJsGhost will shortly become a two car family, which if it wasn't exciting enough, now means changing some details on insurance policies...

I'm currently the policy holder for our existing car, with the missus a named additional driver. Going forwards, she will be the main driver of that car, while I will be the main driver of the new car (makes sense to use my NCD on the new policy as the car is more valuable and a higher insurance group).

Can I just swap us round as policy holder/named driver on that policy, or are we going to have to cancel and start afresh with two new policies? I believe my NCD can't be applied to two different policies, or else I'd just leave the existing policy as it is and insure the new car too...

My current insurer (QuoteMeHappy) is online only, with call centres for processing claims only - getting the info out of them is a slow process, hence the question here on NSC...

Many thanks in advance!

What about reversing?

 

[LlcoolJ]

What about reversing?

Bell Cheese Bingo. That's a point to you. Was about to claim it myself.

 

[dazzer6666]

Slightly O/T but connected, I called Admiral today as my Mrs' car insurance is due for renewal and we already have two other cars with Admiral and they are always banging on about their 'multi car policy' so thought I'd test it out.

Well it's an utter load of bollocks. After an hour on the phone (mostly repeating all the details they have for the two cars already insured with them which was particularly irritating), the cost of two out of the three will be higher than it is now, and the third only slightly lower.

We have
-my car - me only insured to drive
-wife's car - her and daughter (who is away at Uni so only uses it very, very rarely) plus me insured
-son's car - recently passed his test, car has a black box, he and I covered

No convictions, one minor claim in last 5 years, self and wife have 10+ years NCD.

Wife's car is more expensive to have me on it as part of a multi car policy (eh ? I genuinely didn't understand the explanation he gave for this)
Son's car is more expensive as they can't use black box data if the car is part of a multi car policy (eh ? They installed the bloody thing)
My car is slightly cheaper (small % discount for multi car policy coverage)

When I pointed out this was perhaps a bit odd and I might as well keep the policies separate and take the best online quote, after reference to the 'pricing department' the chap said 'well yes you might as well - I can confirm we're not intending to be price competitive for you today'.....but then suggested I call back if I get cheaper quotes online INCLUDING FROM ADMIRAL.

I also asked if they had any free tee shirts, but apparently only if you register before a certain date.

 

[pasty]

Here's a weird one.

I have recently started taking driving lessons, and have persuaded Mrs P to put me on her insurance so I can practice with her in the car. So we added me as a named driver to her policy, under a provisional licence, and her monthly payment went down!

Don't get it. Surely there is more chance of something happening whilst I'm driving the car as a learner, so we both expected the payment to go up, not down

 

[dazzer6666]

Here's a weird one.

I have recently started taking driving lessons, and have persuaded Mrs P to put me on her insurance so I can practice with her in the car. So we added me as a named driver to her policy, under a provisional licence, and her monthly payment went down!

Don't get it. Surely there is more chance of something happening whilst I'm driving the car as a learner, so we both expected the payment to go up, not down

Learners aren’t a big risk at all, because you’re always with someone and you’re very cautious (in general).......arguably less risk than when she is driving on her own. Once you’ve passed your test the price will go up........

 

[Super Steve Earle]

Slightly O/T but connected, I called Admiral today as my Mrs' car insurance is due for renewal and we already have two other cars with Admiral and they are always banging on about their 'multi car policy' so thought I'd test it out.

Well it's an utter load of bollocks. After an hour on the phone (mostly repeating all the details they have for the two cars already insured with them which was particularly irritating), the cost of two out of the three will be higher than it is now, and the third only slightly lower.

We have
-my car - me only insured to drive
-wife's car - her and daughter (who is away at Uni so only uses it very, very rarely) plus me insured
-son's car - recently passed his test, car has a black box, he and I covered

No convictions, one minor claim in last 5 years, self and wife have 10+ years NCD.

Wife's car is more expensive to have me on it as part of a multi car policy (eh ? I genuinely didn't understand the explanation he gave for this)
Son's car is more expensive as they can't use black box data if the car is part of a multi car policy (eh ? They installed the bloody thing)
My car is slightly cheaper (small % discount for multi car policy coverage)

When I pointed out this was perhaps a bit odd and I might as well keep the policies separate and take the best online quote, after reference to the 'pricing department' the chap said 'well yes you might as well - I can confirm we're not intending to be price competitive for you today'.....but then suggested I call back if I get cheaper quotes online INCLUDING FROM ADMIRAL.

I also asked if they had any free tee shirts, but apparently only if you register before a certain date.

Why not take your daughter off the wife's car and just do a temporary add on for a few days when your daughter comes home from Uni? Worked out much cheaper for me and the boy when he was at Uni.

 

[dazzer6666]

Why not take your daughter off the wife's car and just do a temporary add on for a few days when your daughter comes home from Uni? Worked out much cheaper for me and the boy when he was at Uni.

Quoted over £200 for 4 weeks. More than the annual policy.

She’s off now anyway.....

 

[Saunders]

Slightly O/T but connected, I called Admiral today as my Mrs' car insurance is due for renewal and we already have two other cars with Admiral and they are always banging on about their 'multi car policy' so thought I'd test it out.

Well it's an utter load of bollocks. After an hour on the phone (mostly repeating all the details they have for the two cars already insured with them which was particularly irritating), the cost of two out of the three will be higher than it is now, and the third only slightly lower.

We have
-my car - me only insured to drive
-wife's car - her and daughter (who is away at Uni so only uses it very, very rarely) plus me insured
-son's car - recently passed his test, car has a black box, he and I covered

No convictions, one minor claim in last 5 years, self and wife have 10+ years NCD.

Wife's car is more expensive to have me on it as part of a multi car policy (eh ? I genuinely didn't understand the explanation he gave for this)
Son's car is more expensive as they can't use black box data if the car is part of a multi car policy (eh ? They installed the bloody thing)
My car is slightly cheaper (small % discount for multi car policy coverage)

When I pointed out this was perhaps a bit odd and I might as well keep the policies separate and take the best online quote, after reference to the 'pricing department' the chap said 'well yes you might as well - I can confirm we're not intending to be price competitive for you today'.....but then suggested I call back if I get cheaper quotes online INCLUDING FROM ADMIRAL.

I also asked if they had any free tee shirts, but apparently only if you register before a certain date.

Been a few years since I worked in insurance and nothing really surprises me. One company I was working for was seriously thinking of changing your premium depending on the colour of your front door. I pointed out that for listed buildings you had no choice as to the colour (brighton is a good example of this) and if you have recently moved house colour of your door isnt a massive priority trying to provide a rational voice. It never followed through but i seriously doubt anything I said had any impact on that. The actuaries are the kings and whatever they go for however sexist or stupid it sounds is chosen and they get paid incredibly well in doing so.

 

[studio150]

Been a few years since I worked in insurance and nothing really surprises me. One company I was working for was seriously thinking of changing your premium depending on the colour of your front door. I pointed out that for listed buildings you had no choice as to the colour (brighton is a good example of this) and if you have recently moved house colour of your door isnt a massive priority trying to provide a rational voice. It never followed through but i seriously doubt anything I said had any impact on that. The actuaries are the kings and whatever they go for however sexist or stupid it sounds is chosen and they get paid incredibly well in doing so.

Yep one of the problems if you let pointy heads fully dictate pricing with no input or control by Underwriters.
If this had gone through I can just image phone calls with policyholders.
What do you mean you won't pay for my buildings claim.
Its because you never informed us that you painted your front door a different colour.

Or

How can I reduce my premiums. Paint your front door blue. Ok I'm off to B&Q I'll call back tomorrow.

Madness

 

[Lower West Stander]

None of it makes sense to me. I was looking on Gocomparethemeerkat for my daughters policy and the range from top to bottom
Was £10,000!!!!!


Sent from my iPhone using Tapatalk

 

[Bigtomfu]

I've just passed my test - pathetic given my age I know - and the Mrs and I bought ourselves a low mileage A Class to potter around in.

Two things:

1) how can one set of quotes from gocompare, including approx 50% the same companies, be some £400 higher than those from Moneysuoermarket? (Someone did explain that one search engine adds their finders premium on to the quotes but not sure)

2) the same quote from one supplier one day to the next be over £150 difference?

Got around it as luckily had browser tab open on one of the old quotes on their website direct and when I confirmed it they honoured the old price.

Such a bizarre minefield of oddity.