Insurance - named driver

Moyglish

A sibling lives at home with the parents and for the past 9+ years they've been on the parents insurance as a named driver.

They have a full Irish driving licence 10+ years.

Normally adding them as a named driver to the parents policy puts up the quote by about €200/€300 per annum.

For the past few years due to various reasons they've been driving very little, to the point of not driving at all for the past year or two, but despite this always had their name added to the policy in order to build up their named driver experience which they now have 9 years proof of.

It's now renewal time again and the parents are obviously not too keen to add them to the policy for an extra €200 or so, especially if they're not actually going to be driving, or very minimal at best.

The son wants to keep his name on it again, as he's afraid that if his name isn't on the policy he'll lose his 9+ years named driver experience he's built up.

If he wasn't added to the policy this year, and wanted to be added next year, would he lose his 9+ years? Would he be starting from scratch next year, with 0 years named driving experience? Thus possibly driving up the quote next year by a grand or so.

Is it better spend ~€200 keeping him as a named driver for the year to keep his named driver experience in tact?

Would he be starting from scratch next year otherwise?

Any insight would be much appreciated.

Thanks!

Tiercel Dave

Get two quotes, one with him, one without, and ask him to pay the difference if he wants to remain on the policy.....

9935452

Tiercel Dave wrote: »

Get two quotes, one with him, one without, and ask him to pay the difference if he wants to remain on the policy.....

My thoughts exactly

Cape Clear

.

Moyglish

Yeah, there's no issue with him paying the surplus to add him to the policy.

Just wondering if he wasn't added, would he lose all his 9+ years he's built up?

Or could he let it lapse this year, and add himself again next year if and when he's up to driving again?

My thoughts are it's best to keep him on it to keep his names driving experience as it'll stand to him in the future if and when he gets his own policy.

Just wanted some others opinions.

Thanks again, appreciate the replies!

blackbox

Moyglish wrote: »

For the past few years due to various reasons they've been driving very little, to the point of not driving at all for the past year or two, but despite this always had their name added to the policy in order to build up their named driver experience which they now have 9 years proof of.

For most policies the named driver must not be the main driver.

Why doesn't he get his own policy and start building up his own NCB?

Moyglish

blackbox wrote: »

For most policies the named driver must not be the main driver.

Why doesn't he get his own policy and start building up his own NCB?

Apologies if not worded clearly above.

The parents are the main drivers.

It's the son who very rarely drives. He hasn't driven at all in the past year or two due to health issues.

It's not fronting, he legitimately is just a named driver and not the main driver.

He hasn't got his own policy yet as:

1.) he doesn't have his own car yet. He is / was using his parents car.

2.) he wouldn't be able to afford a policy in his own right.

3.) he's not driving enough at the moment to justify paying for his own policy.

He would like to hold onto the named driving experience he has built up over the years though as he would like to eventually get his own car and policy and get back into driving as he's let it lapse recently.

treascon

Moyglish wrote: »

Apologies if not worded clearly above.

The parents are the main drivers.

It's the son who very rarely drives. He hasn't driven at all in the past year or two due to health issues.

It's not fronting, he legitimately is just a named driver and not the main driver.

He hasn't got his own policy yet as:

1.) he doesn't have his own car yet. He is / was using his parents car.

2.) he wouldn't be able to afford a policy in his own right.

3.) he's not driving enough at the moment to justify paying for his own policy.

He would like to hold onto the named driving experience he has built up over the years though as he would like to eventually get his own car and policy and get back into driving as he's let it lapse recently.

Then he needs to continue as a named driver. A break in cover could jeopardize his chances of getting a policy in his own name down the road

blackbox

Moyglish wrote: »

Apologies if not worded clearly above.

The parents are the main drivers.

It's the son who very rarely drives. He hasn't driven at all in the past year or two due to health issues.

Sorry, when you said "they" rather than "he" I thought you were talking about the parents.