My girlfriend was in recent times in a sports car accident and we requirement to get a unsullied car. She drives the vehicle for work and i get the train. I lone really use it on the weekend.
Can i take out a policy on the spanking new car and hold her as a named driver, even tho she is the leading driver? It works out much cheaper to do this as she has 6 points and a claim, while i enjoy 2 NCB and a clean licence.
I packed in an online application and one of the option allows me to select "Business Use for All". I assume this will cover both of us for any use regardless of who drives more?
Thanks for your help
JR
Answers: I assume that the 2 years no claims bonus is not currently man used on another vehicle as it can only be used on one vehicle at a time.
The most big criteria for insurance is the ownership of the vehicle - very few companies will insure a saloon that the proposer does not own.
With regards to man main driver - that does not issue - providing you declare accurately on the proposal form that your girlfriend is the prevalent user. (Which it appears you accept). You will of course affirm the accident/ conviction on the application form.
"Business Use for All" used to be known as 'Class II'. Please read the policy wording VERY cooperatively as to what 'Business Use for All' means. It could scrounging merely that anyone can drive the vehicle on behalf of the proposer's business or that of his employer (like a company car!). In that baggage your girlfriend will NOT be covered for using the car for her work.
As I hold repeatedly said, car insurance - or indeed any insurance, is enormously technical and is NOT a simple product to buy. That is why in attendance are firms out there giving counsel as to the best insurance for your needs.
THIS SOUNDS LIKE FRAUD AND I WOULD BE UPFRONT WITH THE INSURANCE COMPANY IN THE EVENT SOMETHING HAPPENS, THEY MAY NOT PAY THE CLAIM.
Can i take out a policy on the spanking new car and hold her as a named driver, even tho she is the leading driver? It works out much cheaper to do this as she has 6 points and a claim, while i enjoy 2 NCB and a clean licence.
I packed in an online application and one of the option allows me to select "Business Use for All". I assume this will cover both of us for any use regardless of who drives more?
Thanks for your help
JR
Rear concluded a parked motor and the...
Answers: I assume that the 2 years no claims bonus is not currently man used on another vehicle as it can only be used on one vehicle at a time.
The most big criteria for insurance is the ownership of the vehicle - very few companies will insure a saloon that the proposer does not own.
With regards to man main driver - that does not issue - providing you declare accurately on the proposal form that your girlfriend is the prevalent user. (Which it appears you accept). You will of course affirm the accident/ conviction on the application form.
"Business Use for All" used to be known as 'Class II'. Please read the policy wording VERY cooperatively as to what 'Business Use for All' means. It could scrounging merely that anyone can drive the vehicle on behalf of the proposer's business or that of his employer (like a company car!). In that baggage your girlfriend will NOT be covered for using the car for her work.
As I hold repeatedly said, car insurance - or indeed any insurance, is enormously technical and is NOT a simple product to buy. That is why in attendance are firms out there giving counsel as to the best insurance for your needs.
I am within entail of some auto...
THIS SOUNDS LIKE FRAUD AND I WOULD BE UPFRONT WITH THE INSURANCE COMPANY IN THE EVENT SOMETHING HAPPENS, THEY MAY NOT PAY THE CLAIM.
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