Thinking of removing named driver from MH insurance - will premium increase?

[cb_stalbans]

I drive our Motorhome all the time and my husband refuses to drive it. He hardly ever drives and is not confident. I realised recently that if I was incapacitated abroad, he would be expected to drive it home to the UK. The insurance company would not repatriate the van as there is a named driver on my insurance policy. Has anyone removed a named driver and can advise if their premium went up or down? I have breakdown cover through a NW Flexplus account. Current general policy is with Comfort. I am 71 and husband is 75, both of us have never had a claim.

 

[tkk]

I drive our Motorhome all the time and my husband refuses to drive it. He hardly ever drives and is not confident. I realised recently that if I was incapacitated abroad, he would be expected to drive it home to the UK. The insurance company would not repatriate the van as there is a named driver on my insurance policy. Has anyone removed a named driver and can advise if their premium went up or down? I have breakdown cover through a NW Flexplus account. Current general policy is with Comfort. I am 71 and husband is 75, both of have never had a claim.

comfort didnt increase premium when I removed my wife from policy

 

[The Coops]

If anything it should be cheaper!

 

[Jev88]

Some go up., some go down.

Saved money two years ago taking Karon off the RV and then saved this year adding her back on.

 

[Emmit]

If anything it should be cheaper!

Couldn't agree more, But!

Look at it from the robbing bas***** ( Insurance Co's) points of view.

They don't have to pay out if the policyholder is incapacitated and there is
an alternative driver in the van.

Therefore, they don't charge as much.

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[Emmit]

Some go up., some go down.

Saved money two years ago taking Karon off the RV and then saved this year adding her back on.

You couldn't make it up.

 

[cb_stalbans]

That was my thinking really, that it might increase as he could drive it home. I think I’ll phone some other suppliers for quotes with and without hubby as a named driver.

 

[Guigsy]

I took my wife off the motorhome insurance and the price went down.

The opposite happened on the car insurance. She's on it because it saved quite a bit of money... But that's possibly because I've not had a car for several years (only the motorhome), so I had to start from zero no-claims...

 

[Orion]

That was my thinking really, that it might increase as he could drive it home. I think I’ll phone some other suppliers for quotes with and without hubby as a named driver.

Wouldn’t that really only come into play if it’s a combined vehicle and breakdown/recovery policy?

 

[Flairy]

They (Saga) reduced mine when I put my wife as named driver.

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[Oscar]

I came off ours at last renewal & it went up @ £100 with Saga

Elaine

 

[pandas]

For us the issue was if I was not able to drive for some reason the insurance company would not repatriate you if had another driver on the policy that was with you at the time. If it were in say Southern Italy that would be a big problem so we changed to only have the one driver insured - the price did not change much that I could see anyhow on renewal.

 

[SteveandSue]

We were going to remove Sue off our policy this year with LV and the premium would increase by £70 so we decided to leave us both on. Maybe you could just ask the question at renewal

 

[brynric]

I took Mrs B off our policy for the same reasons. I don’t remember any change in premiums.

 

[Capri Keith]

Mine didn’t change when I removed Marg from our MH policy. She was not confident to drive this MH, she doesn’t even like to drive my Mazda estate

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[Lizbiebrowne]

I drive our Motorhome all the time and my husband refuses to drive it. He hardly ever drives and is not confident. I realised recently that if I was incapacitated abroad, he would be expected to drive it home to the UK. The insurance company would not repatriate the van as there is a named driver on my insurance policy. Has anyone removed a named driver and can advise if their premium went up or down? I have breakdown cover through a NW Flexplus account. Current general policy is with Comfort. I am 71 and husband is 75, both of us have never had a claim.

If you take your husband off the policy and then you subsequently find that you couldn't drive the van home perhaps your insurance company, knowing that your husband was once insured with them to drive it, might ask you if your husband is with you and offer to put him back on the policy to get the van home. If your husband is able to refuse to do that perhaps he's also able to refuse even if he was a named driver? What does you policy say about it - is a named driver obliged to drive the vehicle home in that situation?

 

[Lumpy]

We took my wife off our MH insurance this year because she can't reach the pedals!! plus the same as Pandas comment about re-patriation, at the same time we reduced our estimate yearly mileage and it's worth, so the van insurance was reduced by nearly £100.

 

[The Wino]

If you take your husband off the policy and then you subsequently find that you couldn't drive the van home perhaps your insurance company, knowing that your husband was once insured with them to drive it, might ask you if your husband is with you and offer to put him back on the policy to get the van home. If your husband is able to refuse to do that perhaps he's also able to refuse even if he was a named driver? What does you policy say about it - is a named driver obliged to drive the vehicle home in that situation?

I suspect most buy breakdown cover from a different company to the vehicle insurance. They wouldn't know who was insured in the past.

 

[carolyn]

If you take your husband off the policy and then you subsequently find that you couldn't drive the van home perhaps your insurance company, knowing that your husband was once insured with them to drive it, might ask you if your husband is with you and offer to put him back on the policy to get the van home. If your husband is able to refuse to do that perhaps he's also able to refuse even if he was a named driver? What does you policy say about it - is a named driver obliged to drive the vehicle home in that situation?

That all seems a bit pointless. The reason for removing him was because he’s not confident to drive the Motorhome. If you’re not confident to drive a vehicle under normal circumstances then the last time you should be doing it is in an emergency. You’d be a liability.

 

[BouncyBoatFolk]

comfort didnt increase premium when I removed my wife from policy

Same here.
Mike.

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[Lizbiebrowne]

That all seems a bit pointless. The reason for removing him was because he’s not confident to drive the Motorhome. If you’re not confident to drive a vehicle under normal circumstances then the last time you should be doing it is in an emergency. You’d be a liability.

I think what I was trying to understand is whether the husband would be obliged to drive the van home if he was a named driver on the insurance. Clearly if he was a named driver and not present in the vehicle then he couldn't drive it but is it a condition of the breakdown insurance that if you a named driver on your insurance they must drive it back whether you want to or not? You might have someone as a named driver for some trivial reason, perhaps allowing them to moved the motorhome off your driveway onto the highway if you want to move some cars around. This doesn't mean, as you say, that they'd be capable of driving it long distances.

 

[BouncyBoatFolk]

I drive our Motorhome all the time and my husband refuses to drive it. He hardly ever drives and is not confident. I realised recently that if I was incapacitated abroad, he would be expected to drive it home to the UK. The insurance company would not repatriate the van as there is a named driver on my insurance policy. Has anyone removed a named driver and can advise if their premium went up or down? I have breakdown cover through a NW Flexplus account. Current general policy is with Comfort. I am 71 and husband is 75, both of us have never had a claim.

Sound thinking, and true. I asked Comfort about this very topic last year when we swapped from AIB. They confirmed this to be the case. Although Mrs BBF is happy to plod around locally in our little Civic, and used to love driving our old T2.5 even with a gaggle of kids in the back seats she's a lot less confident now as she's , matured a smidge but would have never realistically driven our bus, so pointless in her being on the policy irrespective of any cost implications.
Mike.

 

[pandas]

I think what I was trying to understand is whether the husband would be obliged to drive the van home if he was a named driver on the insurance. Clearly if he was a named driver and not present in the vehicle then he couldn't drive it but is it a condition of the breakdown insurance that if you a named driver on your insurance they must drive it back whether you want to or not? You might have someone as a named driver for some trivial reason, perhaps allowing them to moved the motorhome off your driveway onto the highway if you want to move some cars around. This doesn't mean, as you say, that they'd be capable of driving it long distances.

not sure I would want to argue the case with the insurance company - not that they try a wriggle out of anything of course

 

[carolyn]

I think what I was trying to understand is whether the husband would be obliged to drive the van home if he was a named driver on the insurance. Clearly if he was a named driver and not present in the vehicle then he couldn't drive it but is it a condition of the breakdown insurance that if you a named driver on your insurance they must drive it back whether you want to or not? You might have someone as a named driver for some trivial reason, perhaps allowing them to moved the motorhome off your driveway onto the highway if you want to move some cars around. This doesn't mean, as you say, that they'd be capable of driving it long distances.

I would imagine if you’re a named driver on the insurance and you’re on the trip you would be expected to drive unless you could get a medical exemption eg too distressed due to partner dying or being critically ill. You can hardly expect insurance companies to cover trivia.

 

[Lizbiebrowne]

I would imagine if you’re a named driver on the insurance and you’re on the trip you would be expected to drive unless you could get a medical exemption eg too distressed due to partner dying or being critically ill. You can hardly expect insurance companies to cover trivia.

It would be interesting to hear of real life experiences from other members who have been in this situation.

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[BouncyBoatFolk]

I would imagine if you’re a named driver on the insurance and you’re on the trip you would be expected to drive unless you could get a medical exemption eg too distressed due to partner dying or being critically ill. You can hardly expect insurance companies to cover trivia.

I wonder how many couples out there enjoying their van are blissfully unaware of the full implications of both of them being named on the policy as drivers often as matter routine. My hand goes up first as an example. I'd never even considered this matter and only had Mrs BBF on the policy as a convenience. Once I'd established the ramifications of it I didn't have her renewed on our policy. The insurance companies must share some blame in this matter as I've never seen a " oh by the way " type of warning flagged up outside of any small print, and it should be as it's quite a big condition, and perhaps now aired more publicly many other couples will be having the same discussion so a good thread in that respect.
Mike.

 

[carolyn]

I wonder how many couples out there enjoying their van are blissfully unaware of the full implications of both of them being named on the policy as drivers often as matter routine. My hand goes up first as an example. I'd never even considered this matter and only had Mrs BBF on the policy as a convenience. Once I'd established the ramifications of it I didn't have her renewed on our policy. The insurance companies must share some blame in this matter as I've never seen a " oh by the way " type of warning flagged up outside of any small print, and it should be as it's quite a big condition, and perhaps now aired more publicly many other couples will be having the same discussion so a good thread in that respect.
Mike.

I think there are lots. I’ve heard so many conversations over the years where women and yes it is usually women, say “well I’ve never driven the MH but I would in an emergency”. They’ll often be talking about A classes and other large vehicles. Even at home they rarely drive a car.

It’s absolute madness. We both drive our van. Should one of us not be happy they will be removed from the insurance immediately.

 

[Odd-no-more]

We have a caravan these days, Mrs. Odd has never towed a caravan but if she had to, I have no doubt she would

 

[Nanniemate]

That all seems a bit pointless. The reason for removing him was because he’s not confident to drive the Motorhome. If you’re not confident to drive a vehicle under normal circumstances then the last time you should be doing it is in an emergency. You’d be a liability.

Move over I'll join you on your soap box.
I think if you travel together both should be able to drive it. There's a difference between can't and won't.
Father was not a lover of heights mother used to drive the passes when the drops were drivers side .
I used to drive as near the drop as possible when they were on his side.
You have to have some entertainment

 

[Bessy765]

My dad’s insurance went down (81) when he put me as a named driver (52) you could always put someone else then if their not with you they can’t drive it anyway.

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