Two main drivers but separate policies?

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Oonaghpm

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My husband is the main driver of our car. Our son (21) is a learner driver and a named driver on the insurance. Our daughter (19) has just passed her test. Our insurer is charging €1900 to insure her as a named driver. She can get cheaper insurance from another insurer, so my question is, can she take out her own separate, independent car insurance?
 
Oonaghpm said:
She can get cheaper insurance from another insurer, so my question is, can she take out her own separate, independent car insurance?
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Hi,

Welcome to AAM.

Why do you think she would not be able to take out her own insurance?
 
I think the question is whether the daughter can take out insurance in her own name on the family car, which is already insured by the father of the family.
 
I don't think you can have two seterate policies for the same car.

Try getting an online quote from Aviva or Zurich. I have had car policies with both of these with myself + wife and two daughters on them at a cost of less than 600 euro.
I was with AXA before and they wanted to charge a few thousand for the four of us.
5 years claim free and no penalty points.
 
And to add, you can change mid policy and get a refund for the unused period.
From memory it's a fixed formula and the penalty is not substantial.
 
Oonaghpm said:
Our insurer is charging €1900 to insure her as a named driver.
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Ouch! I would look for quote elsewhere. By comparison, I paid €400 to add my 20 year old daughter, who'd just passed her test, to my FBD policy (for remaining 10 months).
 
Oonaghpm said:
Our daughter (19) has just passed her test. Our insurer is charging €1900 to insure her as a named driver.
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As a matter of interest where was she insured when a learner driver and how much did the insurance cost then? €1,900 for a named driver sounds outrageous especially one with a full licence.
 
Doesn't the policy have to be taken out in the name of the primary driver of the car? I don't believe it's possible to have two separate policies on the same car as you run into issues of conflict of insurable interest between the two policies.
 
Leo said:
Doesn't the policy have to be taken out in the name of the primary driver of the car? I don't believe it's possible to have two separate policies on the same car as you run into issues of conflict of insurable interest between the two policies.
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The wording years ago was 'must be the registered owner of the car' but not sure if that still applies these days.
 
Sue Ellen said:
The wording years ago was 'must be the registered owner of the car' but not sure if that still applies these days.
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No. There was a good bit of coverage in the media a few years ago in relation to the crack-down on 'fronting' where the insurers made it clear the policy must be in the name of the 'main driver'. From Citizen's Information:

However, you must not engage in the practice of ‘fronting’; that is, where the main driver of a vehicle (typically a son or daughter) declares a more experienced driver as the main driver (usually a parent) to reduce the cost of their insurance premium. Fronting is illegal and can result in the cancellation of your motor insurance policy or a fraud conviction.
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