Yes, this is the situation. Can my wife be named as main driver of a car of which l am registered owner? Can she have two policies as main driver? Does it matter who is the registered owner of the car? By the way, l explained it all to Aviva two years ago but they said it made no difference! Work use is really just travelling to meetings occasionally but still requires indemnity for employers.Am I correct in thinking you've been driving the "wrong" cars for years e.g. On Car 1 the policy holder is not the main driver, the named driver is and the same thing for Car 2? You may have a problem as this is like the "fronting" for younger drivers the insurers clamped down on a few years ago.
For the time being, neither of you is covered to use either vehicle for work as you're only named drivers and not policy holders.
We don't want to add 2nd owners to the cars for trade in value reasons. We don't work for same employers.You could transfer ownership to each other on both vehicles, then do a permanent substitution under each policy.
If both work for same employer, then there will be no loss to you as a couple on the expenses.
According to most proposal documents I have seen NO. Check your own policy documents.Can my wife be named as main driver of a car of which l am registered owner?
She can have as many policies as she likes on as many cars as she likes as the policy holder, this, however, won't sort out your indemnity problem as you won't have a policy of your own on a car of your own. It may raise questions with your insurer.Can she have two policies as main driver?
According to the insurers YES and according to your employers' requirements YES. Check your own policy documents.Does it matter who is the registered owner of the car?
In my opinion most of the call-centre staff at these places, certainly AVIVA and 123.ie in my personal experience, know about enough to answer the phone but little beyond that.By the way, l explained it all to Aviva two years ago but they said it made no difference! Work use is really just travelling to meetings occasionally but still requires indemnity for employers.
In the great big scheme of things it may matter little BUT in the specific circumstances where you have to indemnify your employers' against potential claims you'll have little option but to follow @Ravima's suggestion or change the reg. no. of the vehicle you've been claiming expenses on.
We have changed the vehicles around claim wise.
What do you mean by this Slim?
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