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Whose name should the car be registered?

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I just bought a new car for my wife but my dilemma is on whose name should the car be registered as she is new driver and she hasn't got any no-claim discount, where as i have got 7 years no claim dic… Read More
scorpiostar Avatar
8y, 3m agoPosted 8 years, 3 months ago
I just bought a new car for my wife but my dilemma is on whose name should the car be registered as she is new driver and she hasn't got any no-claim discount, where as i have got 7 years no claim dicount on my car where she is also added as the additional driver.
The car i bought for her is only worth 600 pound and is 1 litre engine car, so is it ok to insure thirdparty cover for this.

Thanks in advance for all your advice.
scorpiostar Avatar
8y, 3m agoPosted 8 years, 3 months ago
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#1
It always works out cheaper to have the car in the name of the person who has the most no claims.

My wife has 10 yrs and I have 5 yrs no claims.

If I am main driver and she is named, insurance is about £500

If she is main and me named it comes to about £400
#2
kjbenja
It always works out cheaper to have the car in the name of the person who has the most no claims.

My wife has 10 yrs and I have 5 yrs no claims.

If I am main driver and she is named, insurance is about £500

If she is main and me named it comes to about £400


Should the the car be registered on main driver or it can also be registered on named driver.
#3
As mentioned, the car should be registered to the main driver listed on the insurance.

You mention that you have 5 years no claims - Unfortunately, if this is a 2nd car you can't use your NCD on both policies. You'll have to start one of them from scratch.

You should get some quotes first before deciding who to register the car to. Remember if doing it online, don't get your quote putting your NCD.

I fell into the same trap and it's only when you have to send proof of your NCD does the insurance company flag it up that your already using your NCD on another policy.
#4
not sure if this is right but when passed my test and got a car i think my fella was going to register the car in his name and i would be a named driver as the insurance was cheaper but in the end i dont think we did it like that as it meant i wouldnt be able to build up any no claims.
#5
Direct Line will allow the second driver to build up their own no claims, whilst being insured as a second driver.

They also allow two car policies - it's worth looking around to see what is out there.
#6
KrispiiDuck;4208165
Direct Line will allow the second driver to build up their own no claims, whilst being insured as a second driver.

They also allow two car policies - it's worth looking around to see what is out there.


It was Direct Line that queried the NCD and made me take out a new policy for my 2nd car. That was 3 years ago.

Also, the NCD built whilst being insured as a second driver, only tends to count if you stick with the same insurer. Other companies may not recognise this.
#7
As it's your wife's car, she has to be the main driver on the insurance as she'll be the main user of the car otherwise you are committing fraud which will result in claims begin refused & the police being involved.

In any case if your wife isn't the main driver then she won't build up any no-claims
#8
i think they make up there own riles as they go along lol
#9
[COLOR="Red"]when i got my first car 6 years ago after passing test my ins was £600, i added OH as name driver and it went down to £500

also i was fully comp, car cost £600, i was advised to go third party as if fully comp and something happened i would end up owing the ins company money

i checked this with tesco ins and lady said, thats right, but i never heard it from her...i changed to third party

hope this helps:thumbsup:[/COLOR]
#10
wend;4208251
[COLOR=Red]lso i was fully comp, car cost £600, i was advised to go third party as if fully comp and something happened i would end up owing the ins company money[/COLOR]


:thinking: How can you end up owning the insurance company money if you made a claim?

You'd be covered for repair of any vehicle involved (is it was your fault) and if the damage to your car cost too much to repair, they'd simply write it off.

She may have been advising you that for the extra cost of fully comprehensive, you would be better getting 3rd party, as writing your car off yourself would cost you less.
#11
when checking quotes, try comp as well because for some reason mines cheaper fully comp my cars only worth 600 as well
banned#12
W1zz
:thinking: How can you end up owning the insurance company money if you made a claim?


If you pay for your policy monthly like a lot of people do and had to make a claim, you have to keep on paying.

So if you had an accident in a £600 car, any amount of bodywork damage would write it off. So the insurance company would pay you out...BUT....as you have technically "used" the policy you have bought from them you have to keep paying them until the end of the 12 months, whether you put a new car on cover or not
#13
alanrowell
As it's your wife's car, she has to be the main driver on the insurance as she'll be the main user of the car otherwise you are committing fraud which will result in claims begin refused & the police being involved.

In any case if your wife isn't the main driver then she won't build up any no-claims


This is correct. Wife's name and insurance..
#14
DanJackson;4208337
If you pay for your policy monthly like a lot of people do and had to make a claim, you have to keep on paying.

So if you had an accident in a £600 car, any amount of bodywork damage would write it off. So the insurance company would pay you out...BUT....as you have technically "used" the policy you have bought from them you have to keep paying them until the end of the 12 months, whether you put a new car on cover or not



But wouldn't this still be the case if you were 3rd party and paid monthly? Assuming that another vehicle was involved and they made a claim against you.
#15
Registration documents state the name on the doc has no bearing on the legal ownership so you can put what you like on the doc, just be sure she is named on the insurance cert OR the car registration is shown, this may seem like a strange comment but mine has neither and causes all sorts of probs..
banned#16
You may find shes a better driver then yourself so I think you should put her as named driver, if the car is ony worth £600 and 1 lit then im sure the insurance is not going to be that expensive...

When i first passed my test i had a 1.1L Peugeot 106 which i actially still have now.... and i was the registered owner and my insurance was fully comp at £900....little bit expensive but i was 17yrs at the time.....now i have 3 yrs no claims.....had i done it ony my dads or partners then i would not have been able to build up my own!!!!

Look round for quotes i used go compare.com!!
:)
#17
Tesco and Tesco Value both allow named drivers to build up NCD as they're powered by Direct Line.
banned#18
W1zz
But wouldn't this still be the case if you were 3rd party and paid monthly? Assuming that another vehicle was involved and they made a claim against you.


If you were third party only and were in an accident with another car and that person made a claim against you/your insurers, then yes, you'd still have to pay the policy in full. This is because, like in a comprehensive claim, your policy is being "used" as your insurers will have to pay out for the other person's damage
#19
Registration has no bearing whatsoever on the insurance and has little value in terms of ownership.
It does make whoever is named as the one legally responsible for the vehicle and payment of any fines or tickets it accrues. The vehicle cannot legally be sold on without the named registered keepers permission.
#20
It does not matter who is put down as the owner, or at least it has no bearing on the insurance. However, as you are using your no claims on another car, you will not be able to use it, so may as well go for putting your wife as the main driver, that way she can build up her own no claims. Also, as she is female it will probably be a little less then having you as the main driver.
Also, dont bother with the directline named driver NCB thing, its not worth it in the slightest unless you want to stick with Direct Line or its affiliates (who for me at least are usually head and tails more expensive then any other company)
#21
Finally decided to register the car on wifes name and put her as the main driver with swinton, and iam the named driver took only thirdpartycover, after quidco and swinton cashback 40.00 the premium is 288.00 with legal cover. I dont want to loose my NCD if she ever has a accident.
#22
if both cars are insured with more than- they will let you use 1 lot of no claims on both cars -protected

I did this when we got a second car for my wife - saved us a fortune.

good service too!

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