She can get cheaper insurance from another insurer, so my question is, can she take out her own separate, independent car insurance?
That’s correctI 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.
Thank you!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.
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).Our insurer is charging €1900 to insure her as a named driver.
Our daughter (19) has just passed her test. Our insurer is charging €1900 to insure her as a named driver.
Is that 1900 to add her to your husbands car, or to a second car?
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
That’s correct
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.
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:The wording years ago was 'must be the registered owner of the car' but not sure if that still applies these days.
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.
I wasn't sure if there might be a second family car!
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