Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: SteveAvfc. on 09 August 2015, 20:56:56
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Have recently purchased a little 1.2 Fiesta with regards to giving it to my lad when he turns seventeen next March, of coarse assuming he passes his test. Bought it for peanuts and got it slightly early so as to play around with it and sort out any issues it might have. Now it has crossed my mind that once i put a new MOT on it i could use to and from work thus cutting down on my fuel costs. Now my question is to insurance, as yet i have,nt rang my company to find out how much more they would want to add a second car on my policy but then i thought what if i registered the car in the wifes name then could i use my comprehensive Omega insurance to drive her car. I Am able to drive other vehicles with the owners consent and so am I right to assume that it would be legal. Again this would purely be another way to keep cost down.
The wife does not drive or have ownership of any other vehicle so is this also legal for her to own the car.
Many thanks Steve.
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I think every car has to be covered by its own policy (or second car policy with the same insurer) or the Police might pull you up.
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You can drive other vehicles at third party risk only, if it states that in your policy (some don't now) with the owners consent and as long as the car in insured by that person.
Being your wife, could be just a case of adding you to her policy, sometimes worked out a cheaper policy cost, depends on who shes with.
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His wife doesn't drive though.
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You can drive third party on your policy if -
1 the car you are driving does not belong to you
2 you have the permission of the owner to drive it
3 the vehicle you are to drive has its own insurance policy in place
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His wife doesn't drive though.
What doesn't drive as in not interested or as in doesn't have a licence, if its the latter then she can't get insurance.
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His wife doesn't drive though.
What doesn't drive as in not interested or as in doesn't have a licence, if its the latter then she can't get insurance.
Does not have a licence. But as Jason has said the car would require its own policy, so me thinks i will have to see how much its going to be to add it to mine.
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I got a very good second car insurance deal through an Admiral multi car policy , might be worth a look ?
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I got a very good second car insurance deal through an Admiral multi car policy , might be worth a look ?
Admiral matched my NCB on the Disco which is my second car
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Not a fan of multicar policies, as I've mentioned before.
Find a company that will 'mirror' your NCB on to another policy - thus giving you the biggest discount. Obviously find the cheapest company with your son as a named driver (having passed his test). As long as you do the most mileage, then that is fine with insurance.
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You can drive third party on your policy if -
1 the car you are driving does not belong to you
2 you have the permission of the owner to drive it
3 the vehicle you are to drive has its own insurance policy in place
Point 3 isn't always true! It depends entirely on the wording of the individual policy .
I will concede that you wont be able to get away with it on a daily driver though - as soon as you get out of it in a public place, its uninsured and thus liable to fines and or seizure.
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You can drive third party on your policy if -
1 the car you are driving does not belong to you
2 you have the permission of the owner to drive it
3 the vehicle you are to drive has its own insurance policy in place
Point 3 isn't always true! It depends entirely on the wording of the individual policy .
I will concede that you wont be able to get away with it on a daily driver though - as soon as you get out of it in a public place, its uninsured and thus liable to fines and or seizure.
Might not always be true, but I've yet to ring an insurance company of someone I've stopped for no insurance on the 'car' for the drivers own policy to agree to cover. Very rare occurrence now.
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IMO there is no way around this Steve . . . or everyone would be doing it . I've een looking around to insure both my 3.2's
Your options seem less as your wife has no licence.
As said in above posts . . multicar (not a fan myself ) or a second policy,is the only way to go , but look for a company that
will "mirror" most of your NCB onto the second car .
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Most companies, if you negotiate hard enough, will match your NCD on 2nd car. Esp those multicar policies when you initially take them out. All assuming you are not classed as risky.