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Topic # 228682 17-Jan-2018 10:45
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Can you insure a relative's car with you as the main driver and the relative as the second driver with no repercussions? Or can only the registered owner of the car be the "main driver" on car insurance policies...

Thanks.

Edit: Oops maybe this should've went in the Transport forum.




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  Reply # 1941380 17-Jan-2018 10:45
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Allow me to introduce you folks to our new travel community: TravelTalk NZ.

 

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  Reply # 1941382 17-Jan-2018 10:47
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Hey, you might run into the whole: "You can't insure what you don't own" issue. Better to ask the insurance company directly as you don't want your cover to end up being useless because your insurance decides you misled them.


 
 
 
 


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  Reply # 1941434 17-Jan-2018 11:46
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I've got two cars registered and insured (with AMI) in my name, with my kids named as main drivers (one per each).  Wasn't a problem, though I've never had to make a claim.





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  Reply # 1941443 17-Jan-2018 11:55
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Registered owner means nothing. You can name any driver on any vehicle policy, or if they are over 25 most are automatically covered and don’t need to be named. I’m not sure your reason why you want to insure someone else’s vehicle but whatever you do be straight up on the circumstances to avoid a claim being rejected.




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  Reply # 1941462 17-Jan-2018 12:29
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scuwp: ... I’m not sure your reason why you want to insure someone else’s vehicle ...

 

We did it for financial reasons mainly, using my no-claims and multi-policy discount whilst the kids buildup their no-claims record.  Not 100% sure but I think recall AMI saying that the registered owner of the vehicle must be the policy owner.  (The cars belong to the kids though, and if any speed-camera fines were to arrive they would be handed straight over.)

 

Like yourself, I'm also an advocate of being absolutely up-front about everything with insurance companies.  Don't want to give them any ammo to reject a claim.





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  Reply # 1941515 17-Jan-2018 13:31
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How do you build up a no claims record if you aren't a policy holder? They may be driving but you make the claims.

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  Reply # 1941543 17-Jan-2018 14:33
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Bung: How do you build up a no claims record if you aren't a policy holder? They may be driving but you make the claims.

 

AMI assures me they benefit from this because they are named as the main driver on the policy.  Not that much different I guess if one of them had an accident and I had to make a claim.   The excess would be a lot higher (they're under 25) than it would be if I had been driving.





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  Reply # 1941562 17-Jan-2018 15:06
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The reason i ask is that I got quoted $500 cheaper for an over 25 as the main driver and an under 25 as a listed driver for AMI.




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  Reply # 1941620 17-Jan-2018 16:41
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sonyxperiageek: The reason i ask is that I got quoted $500 cheaper for an over 25 as the main driver and an under 25 as a listed driver for AMI.

 

Seems steep. When the kiddies first got their licences and we added them as under-25s to mine and wifey's cars the premium went up by just over a $100.  I do recall it being really expensive to get fully comp on the kid's cars with them as the main driver so we went 3rd party-fire-and-theft on those.

 

I also think that car insurance premiums in general have gone up a lot over the last 12 months.





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  Reply # 1941630 17-Jan-2018 17:04
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Back in my day working at a motor vehicle insurer (admittedly quite some time ago), the way round it was to put the policy in joint names and then just name whoever was the primary and secondary driver.


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