Couple insurance, one car

brianc89

My partner decided to sell his car and now we are equally using my car. It was a big luxury having two cars, as we live near Dublin city centre.

To my huge disappointment, my understanding is that joint couple policies don't exist in Ireland. Is this true???!

Named driver insurance has limitations which are not ideal. My partner will lose his NCB after two years and he won't have cover to drive other cars, even in an absolute emergency, if that did arise.

Sarn

Generally, married couples would alternate taking out their own policy each year on the same car in order to maintain a NCB. That is, alternating being a named driver from year to year (with the associated disadvantages). It might not be necessary to be married, but worth checking. I haven’t heard of a better way to maintain your NCB.

brianc89

https://www.boards.ie/discussion/comment/119920668#Comment_119920668

Okay cool. That crossed my mind alright but wasn't sure if it was 'allowed' as such. We'll definitely consider it. Thanks for getting back

osiri

Yeah, this is what me and the missus do to keep the no claims bonus in case it is ever needed again. I think there might be some issue with being the policy holder on a car you don't own unless your wife or husband owns it. So if you're not married it might be a problem.

Jim_Hodge

https://www.boards.ie/discussion/comment/119920668#Comment_119920668

Does ownership not need to be changed as well, if they aren't married?

Sarn

That would need to be checked, as married couples have an insurable interest.

brianc89

https://www.boards.ie/discussion/comment/119926218#Comment_119926218

Thanks I'll check this out.

We're getting married in April in any case!! What's mine is his then 😂

Flinty997

I know lots who just flip their insurance every year between them.

It would save the insurance companies lots of work if they just hade a joint or family policy. But they are too stupid/greedy/lazy to do that.