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

[Orion]

Just completed this exercise with LV.

This year’s premium is £413.23 up from £311.10 last year - was going to be £434.98 online renewal until I rang and queried it.

Removing my wife as the named additional driver and the premium quoted is ……….

£568.70!

 

[JockandRita]

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.

See Brains's post below.

If there are two named drivers on the policy,
and If one driver is incapacitated abroad, then it's the responsibility of the other named driver to drive the MoHo home, even if it means that driver has to fly out to pick up the MoHo (At your cost)

If there is only one named driver on the policy,
and the driver is then incapacitated abroad, then it's the responsibility and cost of the insurance company to get the MoHo home. (But check the T&C's)

Absolutely. I can't remember who it was, but a fellow Funster became incapacitated abroad, and his partner didn't drive, but because his son was a named driver on the policy, he had to pay to fly his son abroad to drive the MH back to the UK.

When we started MH'ing back in 2005, Rita said from day one that she would never drive the MH. That's fair do's for someone inexperienced with large vehicles.
I made sure that she was never included on the Insurance, or the Breakdown policies as a named driver, making out when questioned, that she was not qualified for that classification of vehicle. It has worked for us over the years, as there is never any doubt with the insurers at the time of taking out the policy.

Cheers,

Jock.

 

[Shrimp]

Manic took me off the van ins, don’t know if it made any difference as renewable is always a different price every year

 

[M21s21]

You couldn't make it up.

Exactly the same for me- tried to remove my wife midway through policy and the price would go us plus a fee
Waited to the end and price still went up- then found a different policy that was cheaper without her than with her

 

[quentinsf]

On a recent episode of Martin Lewis's show, they talked about analysis they had done of hundreds of thousands of car renewal quotes. It turned out that it was significantly cheaper to renew three weeks before your policy expired. Going much earlier, or waiting until the last minute, could add a substantial amount.

I don't know whether anything similar is true of MH insurance, but it apparently was, to a lesser degree, for home insurance. I think the optimum times were 23 days before for cars, and 21 for homes. I guess the kind of people organised enough not to renew at the last minute are also the kind of people who are lower risk, but if you go too early there are more unknowns in the future and so the risk goes up.

Anyway, it wasn't something I'd considered as a major contributor before, so I thought I'd share it!

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[ericonabike]

I confess to not reading the, whole post, but I took my wife off the insurance as soon as it dawned on me that she'd be required (effectively forced) to drive the van back from wherever if I was incapacitated. Can't remember what difference it made to insurance, but immaterial as the alternative was so horrendous...

 

[Two on Tour]

Can't remember what difference it made to insurance, but immaterial as the alternative was so horrendous...

Blimey, is your wife's driving that scary and bad.

 

[terryr]

Our van is insured with Safeguard and the price went up when I took my wife off. It was for the reason they would have to repatriate us if anything happen to me.

 

[richard8]

Yes, My wife was removed from the mh policy and it went up in price, around £150.

 

[StephandJohn]

The policy didn't change when I was taken off it.
a few years ago john was taken ill in Germany and as I was the second drivier they expected me to drive it home. I'd mever driven and and was scared but after five minutes I wondered why. It wasn't any diffeent fom driving a slightly larger car. Glad I had to do it because John couldn't drive but was able to advise me on the journey.

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[gus-lopez]

When my son visiting from New Zealand, I tried to add him to my car insurance and they would not do it as he was not a UK resident. Worked out cheaper to get a hire car. This was before you could get insurance online for day or week.

Daughter in laws insurance company wouldn't add me to her policy as I have a spanish licence

Don't understand that.

as above.Yes I am on my mates car policy in Devon & have been since 2014 with the same spanish licence

them to drive another vehicle not belonging to them - what’s the position then?

they'd only be driving it 3rd party..

This is why I like spanish insurance.it is for the vehicle regardless of who is driving.most cars, except high end stuff , over 25 all is ok. My van is over 30 as is most commercials stuff unless small CDV's.
& when you get to 70,80,90,100 no one asks for more money

 

[bobnick]

Couldn't put Mrs Bob on Billys insurance as she don't have a C1.

 

[stuartholmes]

Don't understand that.
I also put my brother on the same policy about 3 months ago. He was from Kiev Ukraine. Can't remember what the additional was for him.
Both non UK residents.

Trying to understand insurance companies' reasoning is a bit like trying to create peace in the middle east. Very worthy aim but ever so sligthly hopeless...

 

[Delboyarapaho]

I posted recently on this topic as my insurance with NFU came up for renewal. Wife wasn’t on the policy for same reasons as most but NFU offered £120 reduction to add her as named driver.
Had the conversation with the insurance agent about what if I became incapacitated would she have to drive. Frighteningly she informed me that insurance typically doesn’t provide cover for incapacitated drivers only in cases of accidents. Then queried breakdown cover. Well if the van hasn’t broken down… no cover. Travel insurance? Nope doesn’t cover incapacity either.
So it would appear the question is moot. Ultimately we have to phone a friend to get our vans repatriated in such circumstances. Not a great solution!

 

[pandas]

I posted recently on this topic as my insurance with NFU came up for renewal. Wife wasn’t on the policy for same reasons as most but NFU offered £120 reduction to add her as named driver.
Had the conversation with the insurance agent about what if I became incapacitated would she have to drive. Frighteningly she informed me that insurance typically doesn’t provide cover for incapacitated drivers only in cases of accidents. Then queried breakdown cover. Well if the van hasn’t broken down… no cover. Travel insurance? Nope doesn’t cover incapacity either.
So it would appear the question is moot. Ultimately we have to phone a friend to get our vans repatriated in such circumstances. Not a great solutION

not my understanding and would make the whole process nonsense

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[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.

Finally got around to contacting Comfort who have insured us for the last ten years. I shopped around for better quotes from other insurers and didn't find any. When I asked for a quote to take my husband off the policy , the new quote was 1p more than the old! Explanation given was "policy had gone up as he was over 75 now, so we took him off and it reduced, then as there is no no alternate driver it goes up again". Anyway he's off the policy now for good.