Car Insurance question

[Ray Singh]

Hello All.

My youngest daughter passed her driving test today after a 2 year wait for a slot after Covid.

We had insured her on her elder sisters car as a learner and got a decent deal. I told her insurer Adrian Flux that she passed today and they immediately cancelled the learner insurance. They then refused to insure her on her sisters car under her own policy. I don't understand that. They said something about double insurance. Can you not have multiple drivers all with their own policies on a single car? They couldn't even put her as a named driver on her sisters car as she is under 25.

How best can i insure her to drive her sisters car and get both of them NCB?

Any help is much appreciated. It kind of took the fun out of passing her test, when she couldn't drive the car today.

[Robertb]

Marmalade offer a distinct policy for new drivers, which can be held alongside another and allow accrual of NCB.

https://www.wearemarmalade.co.uk/

You may need to call them though if the car is not in your name, or if the policy is in sisters rather than your name.

Congrats to your daughter!

Edited by Robertb on Wednesday 21st August 22:39

[Decky_Q]

Yes that is correct. You can't double insure the same asset against loss. Adding her as a named driver would be the best way but AF have declined. It's not in the risk profile of underwriting they want to do, so dont offer it.

You can get quotes for daughter 1 as main driver and daughter 2 as named driver from other insurers who do cover this risk profile. This will.mean cancelling the policy with AF and taking it out with another company so daughter 1 will miss out on some NCB due to the incomplete year.

Best course of action in my opinion would be to wait until daughter 1 has her renewal and then shop around for a policy that will cover them both. Other option is get a car for daughter 2 and let her start earning her own NCB (which will be the most expensive way to do it).

First time cover is tough for young people, and very expensive. Good luck.

[Foss62]

Another option is short term cover - renewing can even be on a journey by journey basis. Son and daughter are on my wife’s car, one with Marmalade (mileage limited), other with Veygo (short term). The Marmalade devices are limited to one (and one person) per car.
Both are particularly good choices for students, who will only drive for a few months per year anyway.
Surprised to hear about the two year delay. Both of mine passed on the second attempt, within a couple of months of applying for the first test, daughter this year, son two years ago - this was at the Cambridge test centre.

[Ray Singh]

Thanks to those who replied. I will give Marmalade a call this monring.

With my eldest - I did it the expensive way. I bought a cheap car and insured and taxed it. She is insured on it and drives less than 2k miles per year as she is at university in London. Anything to build up no claims bonus.

[LuS1fer]

NCB is all a bit of a con.

(For example, I am old but bought a Fiat Panda and got insurance with no NCB (used on my other cars) for around £160. Putting on my max NCB reduced it by about £10).

Obviously far different for a first time driver but my daughter's first car was a Fiat Panda and insurance was £1200 (this was a good few years ago). After one year, shopping round resulted in the renewal being £600.

My son's first car was an older MR2. £2400 for the first year (ouch), £800 on renewal (Churchill). So they obviously base the premium on black box stats, maybe, certainly not on any percentage discount though I am sure any accident would disproportionately affect renewal premiums.

[TwigtheWonderkid]

Decky_Q said:

Yes that is correct. You can't double insure the same asset against loss.

Yes you can. It's perfectly legal to have multiple policies on one car or asset, and in many circumstances it's the correct thing to do. Not sure I'd be doing it in these circumstances, but yes, it's legal.

You can cover the same asset, but each policy is covering a different loss. One policy is covering big sis's claims, one is covering little sis's claims.

What you cannot do is claim on both policies for the same loss. So if the car was nicked, you'd make one claim against the policy of the last person to drive it. But if they both claimed for the theft, that would be illegal.

[Mr Tidy]

TwigtheWonderkid said:

What you cannot do is claim on both policies for the same loss. So if the car was nicked, you'd make one claim against the policy of the last person to drive it. But if they both claimed for the theft, that would be illegal.

I'm not sure it's illegal if you tell the insurer that there may be another policy in force.

Dual insurance occurs quite often. When I was handling Household insurance claims we were often contacted by Travel insurers looking for a contribution under Personal Possessions cover.

Likewise AA and RAC often looked for a contribution towards accident recovery costs from a comprehensive insurer.

But that is a strange situation the OP has encountered. I suppose the insurer doesn't want two drivers getting NCD entitlement from the same car.

[TwigtheWonderkid]

Mr Tidy said:

TwigtheWonderkid said:

What you cannot do is claim on both policies for the same loss. So if the car was nicked, you'd make one claim against the policy of the last person to drive it. But if they both claimed for the theft, that would be illegal.

I'm not sure it's illegal if you tell the insurer that there may be another policy in force.

In a theft there will be only one policy in force. Try having a theft claim and telling your insurer the last person to drive the car was someone not covered on your policy. You won't be covered.

What would be illegal is both girls telling their own insurer they were the last driver, and claiming on both policies.

[EBRANDON1]

Make sure you put both yourself and their mum as named drivers on the policy, it will probably bring down the insurance premium assuming you've been driving for a number of years.

[Ray Singh]

Thanks all.

I called up Adrian Flux again and this time they quoted me £2333 per year.
I used Confused . com and found GoGirl insurance underwritten by Sabre for £650 a year.

She will get her own NCB.

[Mr Tidy]

TwigtheWonderkid said:

Mr Tidy said:

TwigtheWonderkid said:

What you cannot do is claim on both policies for the same loss. So if the car was nicked, you'd make one claim against the policy of the last person to drive it. But if they both claimed for the theft, that would be illegal.

I'm not sure it's illegal if you tell the insurer that there may be another policy in force.

In a theft there will be only one policy in force. Try having a theft claim and telling your insurer the last person to drive the car was someone not covered on your policy. You won't be covered.

What would be illegal is both girls telling their own insurer they were the last driver, and claiming on both policies.

That's why I said it may not be illegal if you tell the insurer there may be another policy in force.

[Ray Singh]

Annoyingly Adrian Flux called up today and asked my eldest daughter to cancel her policy with them as the car is also insured for another driver by Go Daddy.

Any suggestions what I should do here?

It cannot be illegal to insure the car for each party - the only illegal part might be if we claim on both policies for a single accident.

I dont want any policy to be cancelled as this is a bad show for my daughter when it comes to the next policy.

Any help much appreciated.

[Robertb]

I don’t understand… I thought they’d cancelled in the first place, hence your original question?

Go Daddy design websites unless I’m mistaken.

[Dingu]

Ray Singh said:

Annoyingly Adrian Flux called up today and asked my eldest daughter to cancel her policy with them as the car is also insured for another driver by Go Daddy.

Any suggestions what I should do here?

It cannot be illegal to insure the car for each party - the only illegal part might be if we claim on both policies for a single accident.

I dont want any policy to be cancelled as this is a bad show for my daughter when it comes to the next policy.

Any help much appreciated.

It doesn’t have to be illegal for them to not want to write the business - will all come down to their T&Cs on whether they can make you cancel it.

[Ray Singh]

Apologies. Its GoGirl not Go Daddy....

I will try to resolve by cancelling one of the policies. The single car between two children will mean that only 1 child can collect the NCB.
Its all a big farce and basically pushing every person to have their own car in the UK.

Viva the revolution.

[Dingu]

Most people insure both on one policy, that’s the normal thing to do.

Depending who’s paying it’s likely you’ll pay more trying to build both NCBs than you would just having one policy and one person paying more when they get a car.

[BertBert]

Have you read the Ts and Cs of the elder daughter's Admiral policy to see if it prevents what has been done (two policies on one car covering 2 different people)?

[Ray Singh]

BertBert said:

Have you read the Ts and Cs of the elder daughter's Admiral policy to see if it prevents what has been done (two policies on one car covering 2 different people)?

Honestly, no - I'm not sure that i am the only person that has not read the complete T&Cs.

[TwigtheWonderkid]

Ray Singh said:

Apologies. Its GoGirl not Go Daddy....


Its all a big farce and basically pushing every person to have their own car in the UK.

What utter drivel. There are millions of households in the UK where multiple drivers share one car insured on one policy. No one feels pushed into getting another car. My wife and I share a car, insured in my name. She has never given not earning her own NCB a second thought. Certainly she isn't being pushed by the insurance industry into getting a 2nd car.